| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 5420 LBJ FREEWAY SUITE 400 DALLAS, TX 75240 | HEALTH CARE SERVICE CORPORATION | $282K | $17K | $299K | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY SUITE 400 DALLAS, TX 75240 | VISION SERVICE PLAN | $5K | — | $5K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY SUITE 400 DALLAS, TX 75240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 VENDOR | Claims processing Service code 12 | — | $878K |
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 VENDOR | Claims processing Service code 12 | — | $65K |
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 | 1,396 | 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) | 1,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,396 | $14.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,375 | $0 |
| Vision | VISION SERVICE PLAN | 1,112 | $259K |
| Prescription drug | EXPRESS SCRIPTS | 1,396 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,396 | $910K |
| Other | MHN SERVICES | 1,400 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,400 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.