| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4000 MIDATLANTIC DRIVE MT. LAUREL, NC 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FOUR EVER LIFE INS CO. | $6K | — | $6K | 8.00% |
| CAPITAL BLUE CROSS3 | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | FOUR EVER LIFE INS CO. | — | $3K | $3K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 4000 MIDATLANTIC DRIVE MT. LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDATLANTIC DRIVE MT. LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $551 | $551 | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $987 | $73 | $1K | 6.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1850 LOCKHILL - SELMA 101 SAN ANTONIO, TX 78213 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $987 | $73 | $1K | 6.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | — | $284 | 1.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $830 | $65 | $895 | 6.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1850 LOCKHILL - SELMA 101 SAN ANTONIO, TX 78213 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $830 | $65 | $895 | 6.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $217 | — | $217 | 1.67% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | PO BOX 390 SHORT HILLS, NJ 07078 | HYATT LEGAL PLANS | $1K | $579 | $2K | 15.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MGMT SVS | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | ARCH INSURANCE COMPANY | $1K | — | $1K | 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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,157 | $6.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,157 | $6.5M |
| Vision | VISION SERVICE PLAN | 363 | $72K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 611 | $135K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 540 | $68K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 780 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,157 | — |
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 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.