| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | STANDARD INSURANCE COMPANY | $181K | $0 | $181K | 8.73% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $0 | $76K | $76K | 3.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | VISION SERVICE PLAN | $27K | $0 | $27K | 9.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | ARAG INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
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 | 2,696 | 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) | 2,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,818 | $286K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,696 | $2.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,696 | $2.1M |
| Prescription drug | TRIA HEALTH, LLC | 2,696 | $138K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,696 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,696 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.