| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE 3RD FLOOR WINDSOR, CT 06095 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE 3RD FLOOR WINDSOR, CT 06095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 4.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $280 | $280 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 16.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE 3RD FLOOR WINDSOR, CT 06095 | STANDARD INSURANCE COMPANY | $1K | $622 | $2K | 13.98% |
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 | 2,088 | 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) | 2,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,443 | $257K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,088 | $767K |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,088 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $274K |
| Prescription drug | CVS PHARMACY, INC. | 1,160 | $4.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,088 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,088 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.