| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $164K | $182K | 2.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $128K | $22K | $150K | 13.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $1K | $31K | 2.81% |
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 | 1,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 801 | $6.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 801 | $6.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 801 | $6.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,172 | $1.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,172 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,172 | $1.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 801 | $6.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,172 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,172 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.