| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $98K | $98K | 3.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 160 WEST SANTA CLARA SUITE 300 SAN JOSE, CA 95113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $88K | $88K | 2.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3697 MT DIABLO BOULEVARD LAFAYETTE, CA 945493747 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $54 | $69K | 6.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $77 | $54K | 5.25% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30K | $30K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVENUE E SUITE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $148 | $148 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3697 MT DIABLO BOULEVARD SUITE 300 LAFAYETTE, CA 945493747 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $54 | $3K | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $125 | $125 | 0.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF FL | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | EYEMED VISION CARE | $4K | — | $4K | 5.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $1K | — | $1K | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3697 MT DIABLO BOULEVARD SUITE 300 LAFAYETTE, CA 945493747 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $873 | — | $873 | 4.81% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $761 | — | $761 | 4.19% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $490 | $490 | 2.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $119 | $119 | 0.66% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $77 | $14K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3697 MT DIABLO BOULEVARD SUITE 300 LAFAYETTE, CA 945493747 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $54 | $14K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $551 | $551 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVENUE SUITE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | — |
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 | 996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 420 | $3.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $1.1M |
| Vision | EYEMED VISION CARE | 1,454 | $76K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $1.0M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 420 | $3.0M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,454 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.