| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $41 | $103K | 2.68% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $100K | $48 | $100K | 2.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35K | $35K | 0.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.29% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $889 | $48 | $937 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2255 GLADES ROAD SUITE 200 E BOCA RATON, FL 33431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | $24K | $66K | 5.18% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $49K | — | $49K | 3.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2255 GLADES ROAD SUITE 200 E BOCA RATON, FL 33431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $18K | $50K | 5.07% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | — | $36K | 3.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOS, IL 60008 | VISION SERVICE PLAN | $4K | — | $4K | 0.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 0.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD SUITE 200E BOCA RATON, FL 334317379 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2255 GLADES ROAD SUITE 200 E BOCA RATON, FL 33431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $3K | $13K | 8.76% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2255 GLADES ROAD SUITE 200 E BOCA RATON, FL 33431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $3K | $13K | 8.77% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 8.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $7K | — | $7K | 5.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | ONE BOCA PLACE 2255 GLADES ROAD, SUITE 200E BOCA RATON, FL 33431 | HYATT LEGAL PLANS | $5K | — | $5K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $883 | $883 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2 PIERCE PLACE ITASCA, IL 601431203 | HYATT LEGAL PLANS | — | $41 | $41 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2255 GLADES ROAD SUITE 200 E BOCA RATON, FL 33431 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $125 | $65 | $190 | 8.15% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $132 | — | $132 | 5.66% |
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 | 3,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 65 | $280K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,523 | $3.9M |
| Vision | VISION SERVICE PLAN | 2,211 | $478K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,636 | $1.3M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,633 | $982K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,622 | $2.2M |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,917 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,523 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.