| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $20K | $20K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERCICES INC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.29% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $79 | $11K | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5205 MARYLANE WAY SUITE 300 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $64 | $4K | 1.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $630 | $630 | 0.20% |
| GALLAGHRT BENEFIT SERVICES INC3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125K | — | $125K | 56.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5205 MARYLAND WAY SUITE 300 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | VISION SERVICE PLAN | $1K | — | $1K | 3.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $346 | — | $346 | 0.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $95 | — | $95 | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $52 | — | $52 | 1.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $38 | — | $38 | 3.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $19 | — | $19 | 1.72% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 143 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,776 | $1.1M |
| Vision | VISION SERVICE PLAN | 267 | $45K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,812 | $320K |
| Short-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 31 | $4K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 31 | $3K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,907 | $804K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,812 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,812 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.