| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $114K | $116K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2056 VISTA PARKWAY WEST PALM BEACH, FL 33411 | UNITEDHEALTHCARE INSURANCE COMPANY | -$159K | $88K | -$71K | -1.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 8.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $2K | $20K | 7.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $2K | $9K | 6.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2056 VISTA PARKWAY WEST PALM BEACH, FL 33411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $77 | $2K | 6.49% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $682 | $264 | $946 | 2.88% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS AND OTHER AGENTS | 2791 LAWRENCE MILL RUN MARIETTA, GA 30068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $746 | $2 | $748 | 2.28% |
| AMY E COHEN3 Filed as: AMY E. COHEN | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $543 | $34 | $577 | 1.76% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $214 | $430 | 1.31% |
| MATTHEW GRADY LEGGETT3 | 3040 ROSEWOOD COURT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $351 | $77 | $428 | 1.31% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $265 | $68 | $333 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | ONE NORTH CLEMATIS STREET SUITE 305 WEST PALM BEACH, FL 33401 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $236 | $0 | $236 | 15.02% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 79 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 711 | $4.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 332 | $148K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $274K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $274K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $274K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 711 | $4.5M |
| Other(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 711 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.