| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $566 | $2K | 8.26% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GRP | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $841 | $359 | $1K | 8.61% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOUCES GRP | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $691 | — | $691 | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $321 | $1K | 10.80% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GRP | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $844 | — | $844 | 6.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 470 ATLANTIC BOTON, MA 02210 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $545 | — | $545 | 10.06% |
| JOHN SNYDER3 | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $54 | — | $54 | 6.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $41 | $10 | $51 | 5.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $42 | $10 | $52 | 9.83% |
| TELAMON HUMAN CAPITAL RESOURCES3 Filed as: TELAMON HUMAN CAPITAL RESOURCES GRP | 30 SOUTHWEST PARK BOSTON, MA 02116 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $37 | — | $37 | 6.99% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 77 | $5K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $22K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $15K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $12K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.