| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3130 WILSHIRE BOULEVARD, SUITE 200 SANTA MONICA, CA 90403 | CALIFORNIA PHYSICIANS' SERVICE | $10K | $0 | $10K | 2.98% |
| D J FISHER & ASSOC INC3 Filed as: D J FISHER & ASSOCIATES, INC. | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLANDO, FL 32804 | AFLAC | $8K | $372 | $9K | 10.07% |
| MARIA V. LANZA3 | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | AFLAC | $2K | $0 | $2K | 2.26% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $2K | $59 | $2K | 1.86% |
| AMINA PENASA3 Filed as: AMINA PENASA AND OTHER AGENTS | 11521 SOLAYA WAY, UNIT 201 ORLANDO, FL 32821 | AFLAC | $1K | $0 | $1K | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $495 | $0 | $495 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33431 | AFLAC | $290 | $0 | $290 | 0.34% |
| CHRIS E SORENSEN3 Filed as: CHRIS E. SORENSEN | PO BOX 916742 LONGWOOD, FL 32791 | AFLAC | $249 | $0 | $249 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $633 | $4K | 12.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HUMANA INSURANCE COMPANY | $927 | $0 | $927 | 3.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $717 | $717 | 6.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PRINCIPAL LIFE INSURANCE COMPANY | $477 | $95 | $572 | 11.16% |
| MARIA V. LANZA3 | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | AFLAC | $84 | $0 | $84 | 4.11% |
| D J FISHER & ASSOC INC3 Filed as: D J FISHER & ASSOCIATES, INC. | 4117 FAIRVIEW VISTA POINT APARTMENT 202 ORLANDO, FL 32804 | AFLAC | $76 | $0 | $76 | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES & AGENTS | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33431 | AFLAC | $39 | $0 | $39 | 1.91% |
| VIRMELIA RODRIGUEZ3 | 10090 BENNINGTON CHASE DRIVE ORLANDO, FL 32829 | AFLAC | $28 | $0 | $28 | 1.37% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $26 | $0 | $26 | 1.27% |
| A & M BONURA & ASSOCIATES INC3 Filed as: A & M BONURA & ASSOCIATES, INC. | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | AFLAC | $22 | $0 | $22 | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $21 | $0 | $21 | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $17 | $3 | $20 | 11.56% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 257 | $2.8M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 257 | $2.5M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $59K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $126K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $133K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $133K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 33 | $326K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.