| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 3.71% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.63% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD SUITE C103 SCOTTSDALE, AZ 852585589 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 702 KING FARM BLVD SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $100 | $30K | $30K | 3.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 111 S CALVERT STREET SUITE 2010 BALTIMORE, MD 21202 | CAREFIRST BLUECHOICE, INC. | — | $24K | $24K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. 5TH FLOOR ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $12K | $6K | $18K | 2.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUECROSS BLUESHIELD OF ILLINOIS | $15K | — | $15K | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | $23K | $71K | 14.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 4.64% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 39030 TREASURY CTR CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 5.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUECROSS BLUESHIELD OF OKLAHOMA | $6K | — | $6K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. 5TH FLOOR ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF OKLAHOMA | $5K | — | $5K | 2.32% |
| JAMES VELLETTA3 | 615 E BRITTON ROAD OKLAHOMA CITY, OK 73114 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $8K | — | $8K | 4.32% |
| ANTHONY MASELLI3 | 201 MERRITT STE 2 NORWALK, CT 06851 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $8K | — | $8K | 4.30% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $4K | — | $4K | 4.17% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $4K | — | $4K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 615 E BRITTON ROAD OKLAHOMA CITY, OK 73114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 83.08% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 615 E BRITTON ROAD OKLAHOMA CITY, OK 73114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 97.06% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $162 | — | $162 | 2.96% |
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 | 1,507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $3.2M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,507 | $574K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,507 | $574K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,507 | $508K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,507 | $478K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,507 | $478K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 130 | $806K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,507 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,507 | — |
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.