| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | FOUR EVER LIFE INS CO. | $4K | — | $4K | 8.00% |
| CAPITAL BLUE CROSS3 | 2500 ELMERTON AVE HARRISBURG, PA 17110 | FOUR EVER LIFE INS CO. | — | $2K | $2K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HYATT LEGAL PLANS | $2K | $725 | $3K | 14.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | FIRST RELIANCE STANDARD | $3K | — | $3K | 18.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDATLANTIC DRIVE MT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD | $3K | — | $3K | 18.17% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | FIRST RELIANCE STANDARD | $2K | — | $2K | 11.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1850 LOCKHILL - SELMA #101 SAN ANTONIO, TX 78213 | FIRST RELIANCE STANDARD | $2K | — | $2K | 11.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | FIRST RELIANCE STANDARD | $3K | — | $3K | 18.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDATLANTIC DRIVE MT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD | $3K | — | $3K | 18.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1850 LOCKHILL - SELMA #101 SAN ANTONIO, TX 78213 | FIRST RELIANCE STANDARD | $2K | — | $2K | 11.49% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | FIRST RELIANCE STANDARD | $2K | — | $2K | 11.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | ARCH INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | ARCH INSURANCE COMPANY | $969 | — | $969 | 15.00% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 449 | $6.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $543K |
| Vision | VISION SERVICE PLAN | 397 | $85K |
| Life insurance | FIRST RELIANCE STANDARD | 625 | $140K |
| Short-term disability | FIRST RELIANCE STANDARD | 6 | $385 |
| Long-term disability | FIRST RELIANCE STANDARD | 705 | $73K |
| Other(6 contracts, 3 carriers) | FIRST RELIANCE STANDARD | 780 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.