| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.40% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4000 MIDATLANTIC AVE. SUITE 300 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $891 | $4K | 5.43% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST 25TH FLOOR PHILADELPHIA, PA 19102 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $610 | $0 | $610 | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4000 MIDATLANTIC AVE. SUITE 300 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $642 | $4K | 10.10% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST 25TH FLOOR PHILADELPHIA, PA 19102 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | $0 | $409 | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4000 MIDATLANTIC AVE. SUITE 300 MOUNT LAUREL, NJ 08054 | CIGNA INSURANCE COMPANY OF NORTH AMERICA | $3K | $466 | $4K | 11.81% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST 25TH FLOOR PHILADELPHIA, PA 19102 | CIGNA INSURANCE COMPANY OF NORTH AMERICA | $299 | $0 | $299 | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD. SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.93% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $228 | $0 | $228 | 0.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4000 MIDATLANTIC AVE. SUITE 300 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $393 | $148 | $541 | 5.59% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST 25TH FLOOR PHILADELPHIA, PA 19102 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | $0 | $89 | 0.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC BROKER | Insurance agents and brokers Service code 22 | 2345 GRAND AVE. SUITE 400 KANSAS CITY, MO 64108 | $96K |
| THE GRAHAM COMPANY BROKER | Insurance agents and brokers Service code 22 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | $21K |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 576 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 576 | $2.5M |
| Vision | VISION SERVICE PLAN | 279 | $30K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 598 | $66K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $44K |
| Long-term disability | CIGNA INSURANCE COMPANY OF NORTH AMERICA | 486 | $32K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.