| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $115K | $18K | $134K | 17.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.07% |
| JACQUELYN WILLIAMS3 | 136 SOUTH ROAD WHITEHALL, NY 12887 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.94% |
| MELISSA A. STEWART3 | 184 EDIE ROAD, SUITE A SARATOGA, NY 12866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $846 | $0 | $846 | 0.74% |
| KRISTIN KOLIADA3 | 16 GREENWAY NORTH QUEENSBURY, NY 12804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $607 | $0 | $607 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 14.84% |
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 | 828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | 1,548 | $7.9M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 828 | $784K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 828 | $784K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 828 | $784K |
| Other(3 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 828 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,548 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.