| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 30 CENTURY HILL DRIVE SUITE 200 LATHAM, NY 12110 | BLUESHIELD | $12K | — | $12K | 3.84% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 30 CENTURY HILL SUITE 200 LATHAM, NY 12110 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $3K | — | $3K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 30 CENTURY HILL SUITE 200 LATHAM, NY 12110 | DELTA DENTAL | $3K | — | $3K | 5.20% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN | $4K | — | $4K | 12.33% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 501 FELLOWSHIP ROAD SUITE 201 MT LAUREL, NJ 08054 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.02% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | EYEMED | — | $874 | $874 | 8.70% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 30 CENTURY HILL SUITE 200 LATHAM, NY 12110 | EYEMED | $155 | — | $155 | 1.54% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $901K |
| Dental | DELTA DENTAL | 148 | $62K |
| Vision | EYEMED | 143 | $10K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 108 | $49K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 42 | $13K |
| Long-term disability | GUARDIAN | 108 | $36K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $901K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 108 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
No prospect flags tripped on this filing.