| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVE 3RD FL NEW YORK, NY 10177 | OXFORD HEALTH INSURANCE, INC | $225K | $12K | $237K | 4.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $5K | $11K | 6.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10117 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FOREST T. JONES/STANDARD SECURITY LIFE INS COMPANY OF NEW YORK | $2K | $0 | $2K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FOREST T. JONES/STANDARD SECURITY LIFE INS COMPANY OF NEW YORK | $960 | $0 | $960 | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $725 | $4K | 16.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10117 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $746 | $206 | $952 | 14.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $663 | $168 | $831 | 13.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $353 | $111 | $464 | 13.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | $73 | $255 | 14.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $41 | $12 | $53 | 12.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE GUARDIAN LIFE INS CO OF AMERICA EIN 13-5123390 NONE | Contract Administrator; Claims processing Service code 12 | — | $23K |
| GALLAGHER BENEFIT SERVICES INC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | $6K |
| KRAMER, HELGANS & BRICK NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 370 LEXINGTON AVE ROOM 1601 NEW YORK, NY 10017 | $58 |
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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 985 | $5.6M |
| Vision | FOREST T. JONES/STANDARD SECURITY LIFE INS COMPANY OF NEW YORK | 433 | $29K |
| Life insurance(4 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 722 | $116K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $60K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 564 | $186K |
| Other(8 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 722 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.