| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN BROOKVILLE, NY 11548 | EMBLEM HEALTH | $47K | — | $47K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $36K | $6K | $42K | 5.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 4.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 JERICHO PLAZA JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $83 | — | $83 | 7.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 377 OAK STREET, 5TH FLOOR GARDEN CITY, NY 11530 | GERBER LIFE INSURANCE COMPANY | $143 | — | $143 | 15.02% |
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 | 1,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 255 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,405 | $628K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $56K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,065 | $795K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,065 | $795K |
| Prescription drug | EMBLEM HEALTH | 255 | $1.2M |
| Other(3 contracts, 3 carriers) | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | 1,065 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,405 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.