| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 823221 PHILADELPHIA, PA 19182 | HORIZON HEALTHCARE SERVICES, INC. | $11K | — | $11K | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | USABLE LIFE | $14K | — | $14K | 10.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | USABLE LIFE | — | $8K | $8K | 5.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | VISION SERVICE PLAN | $2K | — | $2K | 6.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVERS ROAD SUMMIT, NJ 07901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $477 | $4K | 31.99% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 346 | $211K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 346 | $211K |
| Vision | VISION SERVICE PLAN | 289 | $39K |
| Life insurance | USABLE LIFE | 420 | $145K |
| Short-term disability | USABLE LIFE | 420 | $145K |
| Long-term disability | USABLE LIFE | 420 | $145K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 346 | $211K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 420 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.