| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6967 S.RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $125K | $112K | $237K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 240282748 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD MASSACHUSETTS, INC. | $31K | $7K | $39K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6967 S. RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $2K | $2K | $4K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $7K | — | $7K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEBBAB AGENCY LLC | PO BOX 12748 ROANOKE, VA 024282748 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $74 | $18K | 16.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE ST400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 240282748 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $74 | $15K | 16.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.49% |
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 | 5,357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 246 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 87 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | SELECTHEALTH | 2,510 | $12.8M |
| Dental(7 contracts, 6 carriers) | SELECTHEALTH | 7,985 | $14.0M |
| Vision(3 contracts, 2 carriers) | SELECTHEALTH | 7,985 | $13.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,985 | $2.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,985 | $2.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 7,985 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,985 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.