| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $390K | $74K | $464K | 7.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $205K | — | $205K | 4.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | EYEMED | $41K | — | $41K | 6.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2005 MARKET STREET, SUITE 820 PHILADELPHIA, PA 19103 | TRANSAMERICA LIFE INSURANCE COMPANY | $42K | — | $42K | 15.85% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 1200 EAST TAFT STREET SUPULPA, OK 74046 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.33% |
| INNOBENEFITS LLC3 Filed as: INNOBENEFITS, LLC | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.72% |
| HENRY A. ECHEVERRIA3 | 34 BOUVANT DRIVE PRINCETON, NJ 08540 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.49% |
| TRITON GROUP, INC.3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | TRANSAMERICA LIFE INSURANCE COMPANY | $769 | — | $769 | 0.29% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $759 | — | $759 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | TRANSAMERICA LIFE INSURANCE COMPANY | $364 | — | $364 | 0.14% |
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 | 11,032 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 984 | $5.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,998 | $6.4M |
| Vision | EYEMED | 8,134 | $685K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,998 | $6.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,998 | $6.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,998 | $6.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 984 | $5.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,998 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,998 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.