| 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 | $102K | $91K | $193K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 240282748 | METROPOLITAN LIFE INSURANCE COMPANY | $166K | — | $166K | 7.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45K | $45K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P. O. BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $120K | — | $120K | 6.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 470 ATLANTIC AVENUE BOSTON, MA 02210 | BLUE CROSS BLUE SHIELD MASSACHUSETTS, INC. | $36K | $9K | $45K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P. O. BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $55K | — | $55K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6967 S. RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | SELECTHEALTH | $2K | $1K | $3K | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $8K | — | $8K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEBBAB AGENCY LLC | PO BOX 12748 ROANOKE, VA 024282748 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 20.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE ST400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 240282748 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 24.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE400 PARK 80 PLAZA2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 12748 ROANOKE, VA 240282748 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | — | $1K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $232 | $232 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT INSURANCE SERVICE | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $777 | — | $777 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 12748 ROANOKE, VA 240282748 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $484 | — | $484 | 11.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $75 | $75 | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 12748 ROANOKE, VA 240282748 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $305 | — | $305 | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $47 | $47 | 1.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN LIFE ASSURANCE COMPANY EIN 04-6076039 NONE | Other services Service code 49 | — | $78K |
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 | 5,326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 100 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | SELECTHEALTH | 2,487 | $13.0M |
| Dental(8 contracts, 7 carriers) | SELECTHEALTH | 5,706 | $13.6M |
| Vision(3 contracts, 2 carriers) | SELECTHEALTH | 5,706 | $13.3M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,706 | $4.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $28K |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,706 | $2.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,706 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,706 | — |
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.