| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 400 MIDLAND DRIVE MT LAUREL, NJ 08085 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 0.96% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $272 | $272 | 0.03% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811069 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $627 | $3K | 11.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 079811054 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -6.19% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811069 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $270 | $3K | 11.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 079811054 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -6.25% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811069 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $288 | $2K | 12.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 079811054 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | — | -$1K | -8.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | UNUM/PROVIDENT LIFE & ACCIDENT INSURANCE CO | $36 | — | $36 | 1.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH EIN 35-3739783 THIRD PARTY | Contract Administrator Service code 13 | — | $0 |
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 | 1,388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $75K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,388 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,388 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,388 | $1.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,388 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,388 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.