| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN MURPHY3 Filed as: KEVIN QUINN | — | EMBLEMHEALTH | $85K | — | $85K | 2.64% |
| DUNNE KENNETH3 | — | EMBLEMHEALTH | $43K | — | $43K | 1.34% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $56K | $86K | 11.46% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTEGRATED INSURANCE SVCS | PO BOX 609 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $36K | $49K | 7.15% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $34K | $53K | 12.19% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTEGRATED INSURANCE SVCS | PO BOX 609 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 3.24% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SVCS INC | PO BOX 609 SANTA BARBARA, CA 93102 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | METROPOLITAN LIFE INSURANCE COMPANY | $195 | $591 | $786 | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATION INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | METROPOLITAN LIFE INSURANCE COMPANY | $295 | — | $295 | 0.07% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | $2 | $36 | 0.01% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $38K | $2K | $40K | 21.20% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $27K | $1K | $28K | 16.04% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $22K | $597 | $23K | 17.02% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER A CHERNOFF | 725 RXR PLZ UNIONDALE, NY 115563817 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATION INC | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $172 | $9K | 9.88% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $19K | $525 | $19K | 24.15% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $10K | $96 | $11K | 16.74% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $315 | $6K | 16.44% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.07% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTEGRATED INSURANCE SVCS | PO BOX 609 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $137 | — | $137 | 0.43% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $295 | $4K | 16.52% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | $65 | $6K | 31.41% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 10.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | PRINCIPAL FINANCIAL GROUP | $1K | — | $1K | 10.91% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $37 | $2K | 17.96% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $765 | $62 | $827 | 9.92% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $705 | — | $705 | 10.47% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE CO | $468 | — | $468 | 7.47% |
| ISLAND GROUP PLANS, INC.3 Filed as: ISLAND GROUP PLANS INC | 3900 VETERANS MEMORIAL BOHEMIA, NY 11716 | SHELTERPOINT LIFE INSURANCE CO | $234 | — | $234 | 3.73% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $606 | — | $606 | 15.54% |
| DAVID PAPERNO4 | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $589 | — | $589 | 16.72% |
| KRISTOPHER EVANS4 | 181 GREENWOOD DR LEBANON, TN 37090 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | — | $27 | 0.77% |
| KIMBERLY FERRIS4 Filed as: KIMBERLY A FERRIS | 48 BERNHARDT DR AMHERST, NY 14226 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6 | — | $6 | 0.17% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $312 | — | $312 | 10.67% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE CO | $311 | — | $311 | 12.02% |
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 | 4,178 | 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) | 4,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMBLEMHEALTH | 358 | $4.0M |
| Dental(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,377 | $2.8M |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,676 | $412K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,676 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,178 | $839K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,676 | $1.2M |
| Prescription drug(3 contracts, 2 carriers) | EMBLEMHEALTH | 358 | $4.0M |
| Other(18 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,676 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,676 | — |
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.