| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1.3M | $0 | $1.3M | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $500K | $500K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $451K | $0 | $451K | 0.86% |
| COMMUNITY HEALTH SYSTEMS, INC.5 | 4000 MERIDIAN BOULEVARD FRANKLIN, TN 37067 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $50K | $50K | 0.09% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $17K | $17K | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3.9M | $0 | $3.9M | 23.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $75 | $61K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $39K | $39K | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $320 | $320 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
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 | 71,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 96 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 71,712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 6,012 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 9,127 | $3.0M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 69,806 | $52.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 69,806 | $52.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 69,806 | $52.7M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 6,012 | $1.2M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 83,734 | $70.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83,734 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.