| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $58K | $58K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $70K | — | $70K | 5.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | 270 MUNOZ RIVERA PH1 SAN JUAN, PR 00918 | MCS LIFE INSURANCE COMPANY | $45K | — | $45K | 5.82% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON INSURANCE GROUP | 270 MUNOZ RIVERA PH1 AIBONITO, PR 00705 | PLAN DE SALUD MENONITA, INC. | $33K | — | $33K | 5.00% |
| IKON INSURANCE, INC.3 Filed as: IKON INSURANCE | 270 MUNOZ RIVERA PH1 SAN JUAN, PR 00918 | UNIVERSAL LIFE INSURANCE COMPANY | $27K | — | $27K | 16.83% |
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 | 22,035 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 565 | $1.4M |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 565 | $1.4M |
| Vision | VISION SERVICE PLAN | 15,670 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,035 | $4.8M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,035 | $4.8M |
| Prescription drug(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 565 | $1.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,189 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,189 | — |
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."
No prospect flags tripped on this filing.