| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD SUITE 100 ROCHESTER, NY 14618 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $31K | $0 | $31K | 3.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL DRIVE SUITE 200 LATHAM, NY 12210 | HIGHMARK NORTHEASTERN NEW YORK | $11K | $0 | $11K | 4.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | $0 | $29K | 22.15% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 3300 NORTH SCOTTSDALE ROAD APARTMENT 4020 SCOTTSDALE, AZ 85251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 16.84% |
| RACHEL HICKOK3 Filed as: RACHEL HICKOK AND VARIOUS BROKERS | 63 ACADEMY STREET GREENWICH, NY 12834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 6.83% |
| KRISTA ANNE ROTONDI3 Filed as: KRISTA A GRASSIA | 5 PINE WEST PLAZE, SUITE 503 ALBANY, NY 12205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.02% |
| LINDSAY ROCK SWARTZ3 | 31 AMELIA DRIVE SCHENECTADY, NY 12309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.38% |
| DANIELLE M BRANCATO HOUSE3 Filed as: DANIELLE M BRANCATO | 184 EDIE ROAD SUITE A SARATOGA, NY 12866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.94% |
| ANTONETTE T WOJESKI3 | PO BOX 960 NORTH CHATTHAM, NY 12132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HIGHMARK NEW YORK | $2K | $0 | $2K | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF NEW YORK | $2K | $0 | $2K | 4.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 17.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL, SUITE 200 LATHAM, NY 12110 | EYEMED VISION CARE | $1K | $0 | $1K | 9.99% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 116 | $1.3M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW YORK | 258 | $114K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $59K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $47K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 89 | $130K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $47K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 116 | $1.3M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 101 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.