| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $107K | $0 | $107K | 6.96% |
| PROFESSIONAL GROUP MARKET3 | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10583 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | -$4K | $80K | $76K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $6K | $0 | $6K | 1.67% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 6.57% |
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 | 2,188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 230 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,396 | $72K |
| Vision | VISION SERVICE PLAN | 1,620 | $332K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 1,445 | $1.5M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,445 | $35K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,445 | $35K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 230 | $1.1M |
| Other | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 1,445 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,396 | — |
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.