| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3RD FLOOR 250 PARK AVENUE NEW YORK, NY 10177 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $524 | — | $524 | 6.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SEWRVICES INC | SUITE 300 400 MIDLAND DRIVE MT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 300 MADISON AVENUE 28TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN | $318 | — | $318 | 13.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 300 MADISON AVENUE 28TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN | — | $38 | $38 | 1.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | GOLF ROAD ROLLIN MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $124 | — | $124 | 8.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HYATT LEGAL | $137 | — | $137 | 30.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HYATT LEGAL | $36 | — | $36 | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CALIF | 505 NORTH BRAND BOULEVARD GLENDALE, CA 912033944 | HYATT LEGAL | — | $6 | $6 | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HYATT LEGAL | — | $1 | $1 | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $35K |
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 | 15 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE | 15 | $12K |
| Vision | AETNA LIFE INSURANCE COMPANY | 12 | $2K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23 | $8K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.