| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | OXFORD HEALTH INSURANCE INC. | $12K | — | $12K | 0.31% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | OXFORD HEALTH INSURANCE INC. | $6K | — | $6K | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVE STE 13 BOSTON, MA 022102208 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 3.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVE BOSTON, MA 02210 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 470 ATLANTIC AVE 13 FLOOR BOSTON, MA 02210 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $997 | $6K | 5.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 21ST FLOOR TWO PIERCE PLACE ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 3.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 14 FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | — | $462 | $462 | 0.46% |
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 | 1,570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 380 | $3.8M |
| Dental | AETNA LIFE INSURANCE CO. | 407 | $217K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,570 | $101K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,570 | $101K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1,570 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,570 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.