| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD., 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $19K | $19K | 1.45% |
| UMR, INC.3 | 5151 PFEIFFER RD., ML 400 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $8K | $8K | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | $0 | $33K | 12.28% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST., 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 5.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.51% |
| EMPLOYER OPTIONS LLC3 Filed as: EMPLOYER OPTIONS, LLC | PO BOX 208 AMBRIDGE, PA 15003 | EYEMED VISION CARE | $2K | $0 | $2K | 2.49% |
| EMPLOYER OPTIONS LLC3 Filed as: EMPLOYER OPTIONS, LLC | PO BOX 208 AMBRIDGE, PA 15003 | EYEMED VISION CARE | $788 | $0 | $788 | 2.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $412 | $0 | $412 | 1.40% |
| RUTH LARKIN3 | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $318 | $0 | $318 | 1.08% |
| LTCI PARTNERS LLC3 | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $236 | $0 | $236 | 0.80% |
| J MANNING AND ASSOCIATES3 | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $212 | $0 | $212 | 0.72% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BLVD., STE. 700 SHERMAN OAKS, CA 91411 | AFLAC | $442 | $0 | $442 | 2.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN INC. | 721 S PARKER ST., STE. 300 ORANGE, CA 92868 | AFLAC | $145 | $0 | $145 | 0.90% |
| BARBARA HENDRICKS3 | 25 ORISKANY DR. SAN MATEO, CA 94402 | AFLAC | $106 | $0 | $106 | 0.65% |
| RICHARD J KUNZ3 | 601 MONTGOMERY ST., STE. 1475 SAN FRANCISCO, CA 94111 | AFLAC | $103 | $0 | $103 | 0.64% |
| JAMES VINCENT PETERSEN JR3 Filed as: JAMES VINCENT PETERSEN JR. | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $97 | $0 | $97 | 0.60% |
| RUBEN ROSA3 | 5307 SEPULVEDA BLVD., APT. 118 SHERMAN OAKS, CA 91411 | AFLAC | $86 | $0 | $86 | 0.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOWARD L BROWN | 285 CHRISTOPHER AVE CAMPBELL, CA 95008 | AFLAC | $84 | $0 | $84 | 0.52% |
| GERALD A GREENEN3 | 1212 S NAPER BLVD., STE. 119-190 NAPERVILLE, IL 60540 | AFLAC | $42 | $0 | $42 | 0.26% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $42 | $0 | $42 | 0.26% |
| DINORAH ROSSANA DEVALLY3 | 361 MISTY TRAILS PLACE SIMI VALLEY, CA 93065 | AFLAC | $35 | $0 | $35 | 0.22% |
| PROFIT STRATEGIES INC.3 | 296 E GAINSBOROUGH RD THOUSAND OAKS, CA 91360 | AFLAC | $35 | $0 | $35 | 0.22% |
| JULIE ATKINS3 | 16321 PACIFIC COAST HWY, SPC 6 PACIFIC PALISADES, CA 90272 | AFLAC | $31 | $0 | $31 | 0.19% |
| SABRINA CAMPAGNA3 | 11506 PALA MESA DR. PORTER RANCH, CA 90049 | AFLAC | $30 | $0 | $30 | 0.19% |
| ADAM H MICHAELS3 | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $28 | $0 | $28 | 0.17% |
| ALEXANDRA R RAND3 | 13929 MARQUESAS WAY, APT. 216A MARTINA DEL REY, CA 90292 | AFLAC | $28 | $0 | $28 | 0.17% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR. LAS VEGAS, NV 89134 | AFLAC | $27 | $0 | $27 | 0.17% |
| DEBORAH L CAIN3 | 8617 GLENMORE DR. LAS VEGAS, NV 89134 | AFLAC | $25 | $0 | $25 | 0.15% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR. NEWPORT, NC 28570 | AFLAC | $21 | $0 | $21 | 0.13% |
| BONNIE C. SATO3 Filed as: BONNIE C SATO | 2515 MUIRFIELD WAY GILROY, CA 95020 | AFLAC | $21 | $0 | $21 | 0.13% |
| DEAN R LOPPNOW3 | 4524 CAPSTAN DR. HOFFMAN ESTATES, IL 60192 | AFLAC | $21 | $0 | $21 | 0.13% |
| TAMARAH ROBERTO3 | 1955 COUNTY RD SOMERSET, WI 54025 | AFLAC | $18 | $0 | $18 | 0.11% |
| ANNA JANICE RUIZ3 | 2596 17TH AVE SAN FRANCISCO, CA 94116 | AFLAC | $15 | $0 | $15 | 0.09% |
| PAUL B ROBEDEAU3 | 9523 BAY CT. CARMEL, CA 93923 | AFLAC | $14 | $0 | $14 | 0.09% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE. 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $14 | $0 | $14 | 0.09% |
| MARISOL RODRIGUEZ3 | 4411 SOPHIA WAY NORTH LAS VEGAS, NV 89032 | AFLAC | $14 | $0 | $14 | 0.09% |
| ELIZABETH GRANT VAUGHAN3 | 10600 W HIGGINS RD., STE 513 ROSEMONT, IL 60018 | AFLAC | $13 | $0 | $13 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST. CHULA VISTA, CA 91913 | AFLAC | $9 | $0 | $9 | 0.06% |
| GEORGIANNA STOUT3 | 150 HARBOR DR., UNIT 370 SAUSALITO, CA 94966 | AFLAC | $7 | $0 | $7 | 0.04% |
| LARRY W NICHOLSON3 | 116 E MAIN ST. ROCK HILL, SC 29730 | AFLAC | $6 | $0 | $6 | 0.04% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVE LOS ANGELES, CA 90045 | AFLAC | $6 | $0 | $6 | 0.04% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR. WALNUT CREEK, CA 94598 | AFLAC | $6 | $0 | $6 | 0.04% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $5 | $0 | $5 | 0.03% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOCIATES LTD | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $5 | $0 | $5 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK ST., STE. 615 CHICAGO, IL 60654 | AFLAC | $5 | $0 | $5 | 0.03% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $4 | $0 | $4 | 0.02% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA, STE. 202 CALABASAS, CA 91302 | AFLAC | $4 | $0 | $4 | 0.02% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 728 MERCER PLACE HUNTERSVILLE, NC 28078 | AFLAC | $3 | $0 | $3 | 0.02% |
| SPALDING GROUP ENTERPRISES3 | 29404 QUAIL RUN DR. AGOURA HILLS, CA 91301 | AFLAC | $3 | $0 | $3 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR. | 1431 NE 55TH ST. FORT LAUDERDALE, FL 33334 | AFLAC | $3 | $0 | $3 | 0.02% |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $3 | $0 | $3 | 0.02% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE ST. TOLUCA LAKE, CA 91602 | AFLAC | $3 | $0 | $3 | 0.02% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $3 | $0 | $3 | 0.02% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST. PALATINE, IL 60067 | AFLAC | $3 | $0 | $3 | 0.02% |
| GUILLERMO H PALOMINO3 | 2319 E EDNA AVE PHOENIX, AZ 85022 | AFLAC | $2 | $0 | $2 | 0.01% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE, UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $2 | $0 | $2 | 0.01% |
| OLENA K SHEA3 | 3 MITCHELL PL, UNIT 18C NEW YORK, NY 10017 | AFLAC | $1 | $0 | $1 | 0.01% |
| MANIFESTED ABUNDANCE INC3 Filed as: MANIFESTED ABUNDANCE INC. | 2155 PAGANINI AVE. HENDERSON, NV 89052 | AFLAC | $1 | $0 | $1 | 0.01% |
| FREDERICK A AXE3 | 108 SPURAWAY DR. SAN MATEO, CA 94403 | AFLAC | $1 | $0 | $1 | 0.01% |
| RAYMOND B LINGLE3 Filed as: RAYMOND TOWNSEND | 100 FOREST PL., APT P13 OAK PARK, IL 60301 | AFLAC | $1 | $0 | $1 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $1 | $0 | $1 | 0.01% |
| SIMPSON MCCRADY BENEFITS LLC3 Filed as: SIMPSON & MCCRADY LLC | 310-330 GRANT, STE. 1320 PITTSBURGH, PA 15219 | FEDERAL INSURANCE COMPANY | $623 | $0 | $623 | 19.08% |
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 | 1,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,173 | $92K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,447 | $107K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,173 | $113K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,174 | $150K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 960 | $1.3M |
| Other(7 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,174 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,447 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.