| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $284K | $52K | $336K | 7.72% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $100K | $161K | 3.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $62 | $18K | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $421 | $421 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1040 CROWN POINTE PARKWAY SUITE 700 ATLANTA, GA 30338 | AMERITAS LIFE INSURANCE CORPORATION | $120K | $0 | $120K | 18.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $5K | $5K | 0.75% |
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 | 4,601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 8,305 | $669K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,678 | $4.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,678 | $4.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 8,678 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,678 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.