| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $310 | — | $310 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 8.52% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.45% |
| PATRICK KIRCHNER3 | 422 WAUPONSEE ST C/O GIS BENEFITS OF FLORIDA INC MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $2K | $43K | 48.97% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 142021885 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $5K | $37K | 42.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 12.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $142 | $2K | 2.50% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 7.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $291 | $3K | 3.96% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 142021885 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $368 | $1K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | — | $2K | 3.38% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | VISION SERVICE PLAN | $668 | — | $668 | 1.11% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $299 | — | $299 | 0.49% |
| M&T BANK3 Filed as: M&T INSURANCE AGENCT | 285 DELAWARE AVE BUFFALO, NY 14202 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 19.47% |
| WEB TPA3 Filed as: WEB TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY S SUITE 400 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $3K | $3K | 17.87% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 8505 FREEPORT PKWY SUITE 500 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| NEW BENEFITS3 | 14240 PROTON RD DALLAS, TX 75244 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $923 | $923 | 4.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 9.84% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | METROPOLITAN GENERAL INSURANCE COMPANY | $931 | — | $931 | 6.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $485 | $40 | $525 | 16.24% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 656 | $5.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 454 | $351K |
| Vision | VISION SERVICE PLAN | 445 | $60K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 279 | $208K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 245 | $218K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 245 | $130K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 500 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.