| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | GROUP HEALTH INCORPORATED (GHI) | $318K | $0 | $318K | 4.33% |
| 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 | $6K | $6K | $12K | 7.63% |
| 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 | 12.98% |
| 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 | 8.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. - NY | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FOREST T. JONES/STANDARD SECURITY LIFE INS COMPANY OF NEW YORK | $2K | $0 | $2K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. - NY | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | FOREST T. JONES/STANDARD SECURITY LIFE INS COMPANY OF NEW YORK | $1K | $0 | $1K | 3.48% |
| 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 | $1K | $4K | 10.28% |
| 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 | $145 | $57 | $202 | 13.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. - NY | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FOREST T. JONES/STANDARD SECURITY LIFE INS COMPANY OF NEW YORK | $10 | $0 | $10 | 3.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. - NY | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | FOREST T. JONES/STANDARD SECURITY LIFE INS COMPANY OF NEW YORK | $9 | $0 | $9 | 3.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE GUARDIAN LIFE INS CO OF AMERICA EIN 13-5123390 NONE | Claims processing; Contract Administrator Service code 12 | — | $33K |
| GALLAGHER BENEFIT SERVICES INC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | $7K |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH INCORPORATED (GHI) | 547 | $7.4M |
| Vision(2 contracts) | FOREST T. JONES/STANDARD SECURITY LIFE INS COMPANY OF NEW YORK | 633 | $43K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 908 | $100K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $63K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 667 | $155K |
| Prescription drug | GROUP HEALTH INCORPORATED (GHI) | 547 | $7.4M |
| Other(4 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 908 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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.