| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | DELTA DENTAL OF MASSACHUSETTS | $17K | — | $17K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PACE, 14TH FLOOR ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $84K | $16K | $100K | 13.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 485 UNDERHILL BOULEVARD, SUITE 304 SYOSSET, NY 11791 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 9.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 377 OAK STREET, 5TH FLOOR GARDEN CITY, NY 11530 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $2K | — | $2K | 2.88% |
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 | 791 | 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) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $405K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MASSACHUSETTS | 1,645 | $1.3M |
| Vision | VISION SERVICE PLAN | 626 | $79K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 791 | $721K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 791 | $721K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,645 | — |
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.