| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $61K | $9K | $70K | 3.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $5K | $2K | $7K | 6.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 8.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 13.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, UT 60694 | METLIFE LEGAL PLANS | $498 | $0 | $498 | 10.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 19087 | METLIFE LEGAL PLANS | — | $125 | $125 | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 170 BROADWAY, SUITE 302 NEW YORK, NY 10038 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, UT 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $249 | $0 | $249 | 7.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 170 BROADWAY, SUITE 302 NEW YORK, NY 10038 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $106 | $106 | 3.35% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 204 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 204 | $2.2M |
| Vision | VISION SERVICE PLAN | 137 | $21K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 252 | $108K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 252 | $108K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 252 | $108K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 204 | $2.2M |
| Other(4 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 252 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.