| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 W LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 323 W LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | THE HARTFORD LIFE & ACCIDENT | $47K | $0 | $47K | 9.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | THE HARTFORD LIFE & ACCIDENT | $0 | $7K | $7K | 1.33% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | THE HARTFORD LIFE & ACCIDENT | $574 | $108 | $682 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 FELLOWSHIP ROAD PARSIPPANY, NJ 08054 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE EAST CLEVELAND, OH 44114 | EYEMED VISION CARE | $6K | $0 | $6K | 9.98% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 89 | $667K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 914 | $267K |
| Vision | EYEMED VISION CARE | 874 | $60K |
| Life insurance | THE HARTFORD LIFE & ACCIDENT | 861 | $516K |
| Short-term disability | THE HARTFORD LIFE & ACCIDENT | 861 | $516K |
| Long-term disability | THE HARTFORD LIFE & ACCIDENT | 861 | $516K |
| Other | THE HARTFORD LIFE & ACCIDENT | 861 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 914 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.