| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC (MA) | 115 FEDERAL ST BOSTON, MA 02110 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | $0 | $51K | 1.27% |
| AXIA INSURANCE SERVICES, INC.3 Filed as: AXIA INSURANCE SERVICES INC | 300 JEFFERSON BLVD STE 101 WARWICK, RI 02888 | UNITED HEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 1.04% |
| JOESEPH DAVID D'AMICO3 | 300 JEFFERSON BLVD STE 101 WARWICK, RI 02888 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 265 EXCHANGE DR CRYSTAL LAKE, IL 60014 | UNITED HEALTHCARE INSURANCE COMPANY | $952 | $0 | $952 | 0.02% |
| WILLIAM M DELMAGE3 Filed as: WILLIAM DELMAGE | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD | $2K | $964 | $3K | 3.19% |
| AXIA INSURANCE SERVICES, INC.3 Filed as: AXIA INSURANCE SERVICES INC | 84 MYRON STREET WEST SPRINGFIELD, MA 01089 | RELIANCE STANDARD | $2K | — | $2K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD | $2K | $744 | $3K | 4.88% |
| AXIA INSURANCE SERVICES, INC.3 Filed as: AXIA INSURANCE SERVICES, INC | 84 MYRON STREET WEST SPRINGFIELD, MA 01089 | RELIANCE STANDARD | $2K | — | $2K | 3.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION CARE | $649 | — | $649 | 2.47% |
| 660PATRIOT GROWTH INSURANCE SERVIC3 | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | VISION CARE | $574 | — | $574 | 2.19% |
| WILLIAM M DELMAGE3 Filed as: WILLIAM DELMAGE | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | VISION CARE | $74 | — | $74 | 0.28% |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $4.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $4.0M |
| Vision | VISION CARE | 193 | $26K |
| Life insurance | RELIANCE STANDARD | 347 | $83K |
| Short-term disability | RELIANCE STANDARD | 347 | $83K |
| Long-term disability | RELIANCE STANDARD | 30 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.