| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $499K | $0 | $499K | 2.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $61K | $14K | $75K | 6.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3 RADNOR CORPORATE CENTER SUITE 100 RADNOR, PA 19087 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $402 | $5K | 0.47% |
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 | 1,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 62 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,086 | $17.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,086 | $17.2M |
| Vision | VISION SERVICE PLAN | 1,206 | $154K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,695 | $1.1M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,695 | $1.1M |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,695 | $1.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,086 | $17.2M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 3,983 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,983 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.