| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY SCHENECTADY ROAD LATHAM, NY 122102424 | MVP HEALTH CARE | $29K | — | $29K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 784 TROY SCHENECTADY ROAD LATHAM, NY 122102424 | MVP HEALTH CARE | $8K | — | $8K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY SCHENECTADY ROAD LATHAM, NY 122102424 | DELTA DENTAL OF NEW YORK | $7K | — | $7K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 784 TROY SCHENECTARY ROAD LATHAM, NY 122102424 | UNUM LIFE INSURANCE COMPANY | $874 | — | $874 | 14.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY | — | $69 | $69 | 1.15% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MVP HEALTH CARE | 83 | $809K |
| Dental | DELTA DENTAL OF NEW YORK | 109 | $133K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 99 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 99 | $6K |
| Other | UNUM LIFE INSURANCE COMPANY | 99 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
No prospect flags tripped on this filing.