| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 6967 S. RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $133K | $118K | $250K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 024282748 | METROPOLITAN LIFE INSURANCE COMPANY | $209K | $74 | $209K | 6.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE ST400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51K | $51K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD MASSACHUSETTS, INC. | $33K | $10K | $43K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $6K | — | $6K | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6967 S. RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $2K | $2K | $3K | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEBBAB AGENCY LLC | PO BOX 12748 ROANOKE, VA 024282748 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $42 | $21K | 16.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE ST400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 024282748 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $42 | $18K | 16.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE ST400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 024282748 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 11.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE ST400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $675 | $675 | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 024282748 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $580 | — | $580 | 11.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE ST400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $159 | $159 | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 024282748 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $587 | — | $587 | 11.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE ST400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $166 | $166 | 3.30% |
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 | 5,535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | SELECTHEALTH | 2,651 | $13.6M |
| Dental(8 contracts, 7 carriers) | SELECTHEALTH | 8,314 | $15.1M |
| Vision(3 contracts, 2 carriers) | SELECTHEALTH | 8,314 | $14.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,314 | $3.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,314 | $3.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,314 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,314 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.