| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | INDEPENDENT HEALTH | $68K | — | $68K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 285 DELAWARE AVE BUFFALO, NY 142021885 | FIRST RELIANCE STANDARD LIFE INS. CO. | $6K | $6K | $13K | 4.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENRY PKWY W, STE 320 BLUE BEL, PA 19422 | FIRST RELIANCE STANDARD LIFE INS. CO. | $12K | — | $12K | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 18.89% |
| GALLAGHER BENEFIT SERVICES, INC. | 285 DELAWARE AVE. BUFFALO, NY 142021885 | FIRST RELIANCE STANDARD LIFE INS. CO. | $3K | $1K | $4K | 7.56% |
| GALLAGHER BENEFIT SERVICES, INC. | 285 DELAWARE AVE BUFFALO, NY 142021885 | FIRST RELIANCE STANDARD LIFE INS. CO. | $4K | $342 | $4K | 21.70% |
| GALLAGHER BENEFIT SERVICES, INC. | 285 DELAWARE AVE. BUFFALO, NY 142021885 | FIRST RELIANCE STANDARD LIFE INS. CO. | $3K | $321 | $4K | 21.85% |
| GALLAGHER BENEFIT SERVICES, INC. | 285 DELAWARE AVE BUFFALO, NY 142021885 | FIRST RELIANCE STANDARD LIFE INS. CO. | $2K | $168 | $2K | 11.00% |
| GALLAGHER BENEFIT SERVICES, INC. | 285 DELAWARE AVE. BUFFALO, NY 142021885 | FIRST RELIANCE STANDARD LIFE INS. CO. | $2K | $292 | $3K | 16.56% |
| GALLAGHER BENEFIT SERVICES, INC. | 285 DELAWARE AVE BUFFALO, NY 142021885 | FIRST RELIANCE STANDARD LIFE INS. CO. | $155 | $14 | $169 | 16.34% |
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 | 2,972 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 351 | $4.6M |
| Dental(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 498 | $4.7M |
| Vision(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 498 | $4.7M |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INS. CO. | 511 | $72K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INS. CO. | 1,376 | $322K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INS. CO. | 63 | $36K |
| Prescription drug | INDEPENDENT HEALTH | 351 | $4.6M |
| Other(3 contracts) | FIRST RELIANCE STANDARD LIFE INS. CO. | 1,376 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,376 | — |
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.