| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $64K | — | $64K | 11.28% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $133 | $133 | 0.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 1900 16TH STREET, SUITE 100 SUITE 100 DENVER, CO 80202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.00% |
| AMS CUSTOM BENEFIT PROGRAM3 | 897 12TH STREET HAMMONT, MA 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 7.48% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 800 CAPITAL CIRCLE SE UNIT 2 TALLAHASSEE, FL 32301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.41% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES | 711 BEACH BLVD. APT 1316 JACKSONVILLE BEACH, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | — | $291 | 0.20% |
| LYNN M SPEARS3 | 928 COLLINSWOOD DR. JACKSONVILLE, FL 32225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. HOUSTON | 5555 SAN FELIPE SUITE 1500 HOUSTON, TX 770562739 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.40% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE, INC. GA | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 303395946 | HUMANA INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $1K | $284 | $2K | 11.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | — | $13 | $13 | 0.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $12 | $12 | 0.08% |
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 | 768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 539 | $317K |
| Vision | HUMANA INSURANCE COMPANY | 412 | $55K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,071 | $568K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,071 | $568K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,071 | $568K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,071 | $732K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,071 | — |
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.
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.