| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 125 310 VILLAGE BOULEVARD PRINCETON, NJ 08540 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $7K | $0 | $7K | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $4K | $87 | $4K | 2.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 WEST POINTE DRIVE SUITE 6 SWANSEA, IL 62226 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $105 | $105 | 0.33% |
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 | 1,002 | 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) | 1,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 657 | $55K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,002 | $165K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,002 | $283K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,002 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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.