| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 PEARL STREET, 10TH FLOOR HARTFORD, CT 06103 | DELTA DENTAL OF NJ, INC. | $10K | $0 | $10K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARTFORD LIFE AND ACCIDENT | $17K | $10K | $28K | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 21ST FL ITASCA, IL 601433141 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 022102208 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 022102208 | VISION SERVICE PLAN | $351 | $0 | $351 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES, INC | 470 ATLANTIC AVENUE BOSTON, MA 02210 | HARTFORD LIFE AND ACCIDENT | $5K | $396 | $6K | 16.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $675K |
| WILLIAM GALLAGHER ASSOCIATES EIN 04-2787509 BROKER | Other commissions Service code 55 | 470 ATLANTIC AVENUE BOSTON, MA 022102208 | $0 |
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 | 623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 693 | $817K |
| Vision | VISION SERVICE PLAN | 492 | $74K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 693 | $743K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 693 | $743K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 693 | $706K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 693 | $778K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.