| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 SOUTH, 8TH FLOOR ST. LOUIS PARK, MN 55426 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 SOUTH, 8TH FLOOR ST. LOUIS PARK, MN 55426 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 SOUTH, 8TH FLOOR ST. LOUIS PARK, MN 55476 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 SOUTH, 8TH FLOOR ST. LOUIS PARK, MN 55426 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $485 | $485 | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 SOUTH, 8TH FLOOR ST. LOUIS PARK, MN 55426 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $849 | $849 | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 SOUTH, 8TH FLOOR ST. LOUIS PARK, MN 55426 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
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 | 1,290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK, INC. | 3,070 | $720K |
| Vision | VISION SERVICE PLAN | 1,016 | $141K |
| Life insurance | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,290 | $996K |
| Long-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,290 | $516K |
| Other(4 contracts, 2 carriers) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,290 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,070 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.