| 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 | — | $206K | $206K | 6.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 160 WEST SANTA CLARA SUITE 300 SAN JOSE, CA 95113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $152 | $152 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | HARTFORD LIFE AND ACCIDENT | $69K | — | $69K | 13.85% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $225 | $225 | 0.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | PO BOX 955909 ST. LOUIS, MO 63195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $36K | $4K | $40K | 10.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOW, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $150 | — | $150 | 0.12% |
| 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 | — | $53 | $53 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.01% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| 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 | $45K | $53 | $45K | 40.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOW, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $247 | — | $247 | 0.22% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $171 | $171 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100 | $100 | 0.09% |
| 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 | $6K | — | $6K | 9.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $64 | — | $64 | 0.10% |
| 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 | $295 | — | $295 | — |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $89 | $89 | — |
| 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 | — | $19 | $19 | — |
| 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 | $22K | — | $22K | — |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | — |
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 | 822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 463 | $3.4M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 877 | $369K |
| Vision | EYEMED VISION CARE | 1,378 | $62K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,349 | $501K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,349 | $501K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,349 | $501K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 463 | $3.4M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,349 | $737K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,378 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.