| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $178K | $203K | 4.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 0.26% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $7K | $33K | 19.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $833 | — | $833 | 1.79% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $953 | $8K | 17.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $726 | $726 | 1.62% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 1900 NORTH GRANT STREET DENVER, CO 80203 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 14.04% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $305 | $4K | 13.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $366 | $2K | 6.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NORTHWEST 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | -$623 | — | -$623 | -1.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 743903 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 6.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | METROPOLITAN GENERAL INSURANCE COMPANY | $289 | — | $289 | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $138 | $138 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA TWO SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $52 | $52 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NORTHWEST 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $26 | $26 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $11 | $11 | 0.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 13.76% |
| MARK METTILLE3 | 442 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $301 | $4K | 13.23% |
| GIS BENEFITS INC3 | 442 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $361 | $2K | 6.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$217 | -$217 | -0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NORTHWEST 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | -$537 | — | -$537 | -1.61% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $652 | $652 | 1.96% |
| MARK METTILLE3 | 442 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $275 | $4K | 13.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 13.56% |
| GIS BENEFITS INC3 | 442 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $342 | $2K | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NORTHWEST 41ST STREET SUITE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | -$411 | — | -$411 | -1.29% |
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 | 591 | 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) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $4.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $4.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $4.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 618 | $80K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $169K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 632 | $45K |
| Other(8 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 760 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.