| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD ROCHESTER, NY 14618 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 3.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NEW YORK PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 7.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | COMPANION LIFE INSURANCE COMPANY | — | $722 | $722 | 2.68% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | COMPANION LIFE INSURANCE COMPANY | $661 | — | $661 | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 7.58% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 7789 OSWEGO RD LIVERPOOL, NY 13090 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $354 | — | $354 | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | NEW YORK PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $812 | — | $812 | 7.41% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | MUTUAL OF OMAHA INSURANCE COMPANY | $283 | — | $283 | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $239 | $239 | 2.18% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 23.19% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $898 | — | $898 | 10.72% |
| ALLIANCE ADVISORY GRP INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NEW YORK PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMPANION LIFE INSURANCE COMPANY | $522 | — | $522 | 7.44% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO RD LIVERPOOL, IL 13090 | COMPANION LIFE INSURANCE COMPANY | $180 | — | $180 | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | COMPANION LIFE INSURANCE COMPANY | — | $158 | $158 | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $494 | — | $494 | 7.44% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 7789 OSWEGO RD LIVERPOOL, NY 13090 | VISION SERVICE PLAN | $168 | — | $168 | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NEW YORK PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $95 | — | $95 | 7.45% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | MUTUAL OF OMAHA INSURANCE COMPANY | $33 | — | $33 | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $29 | $29 | 2.27% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 124 | $539K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $8K |
| Vision | VISION SERVICE PLAN | 62 | $7K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 101 | $7K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 103 | $16K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 101 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.