| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD SUMMIT, NJ 07901 | SUN LIFE ASSURANCE COMPANY OF CANADA | $44K | — | $44K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 220748 CHARLOTTE, NC 28222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $61K | $33K | $94K | 4.61% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | — | $37K | 8.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD SUMMIT, NJ 07902 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $3K | $11K | 2.45% |
| TOTAL PACKAGE PARTNERS INC3 Filed as: TOTAL PACKAGE PARTNERS, INC. | 600 WEST GERMANTOWN TURNPIKE SUITE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $602 | $51 | $653 | 0.15% |
| DAVID A. BRANDIES3 | 600 WEST GERMANTOWN TURNPIKE SUITE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $66 | $66 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | ACE AMERICAN INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $25K | $25K | 15.00% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $6K | $6K | 15.00% |
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 | 8,826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,735 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 356 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 8,661 | $2.1M |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,369 | $3.1M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,002 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,002 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.