| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $79K | $0 | $79K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $244K | — | $244K | 10.00% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 4321 20TH AVENUE SOUTH FARGO, ND 58103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $45K | $45K | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $59K | $0 | $59K | 3.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $53K | — | $53K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | SIMNSA | $43K | $0 | $43K | 5.00% |
| ROBERT W OWEN3 Filed as: ROBERT E. PETCOVE | 100 MATSONFORD ROAD RADNOR, PA 19087 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 2.96% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, PA 49221 | BLUE CARE NETWORK OF MICHIGAN | $0 | $846 | $846 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $815 | $3K | 12.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 FELLOWSHIP ROAD MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $1.5M | $0 | $1.5M | — |
| PA AUTO ASSOCIAT INS AGENCY, INC.3 | INSURANCE DIRECTOR HARRISBURG, PA 17102 | AMERICAN FIDELITY ASSURANCE COMPANY | $12K | $0 | $12K | — |
| RHODE ISLAND AUTO DEALER & OTHERS3 | 335-D CENTERVILLE ROAD WARWICK, RI 02886 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $10K | $10K | — |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | $0 | $9K | — |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY, INC. | 7 STATE CR, SUITE 301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $370 | $0 | $370 | — |
| OHIO AUTO DEALERS ASSN INS3 Filed as: OHIO AUTO DEALERS ASSN INSURANCE | UNKNOWN DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $315 | $315 | — |
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 | 6,553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 233 | $3.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 11,001 | $4.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,827 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,658 | $2.5M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,532 | $22K |
| Long-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,532 | $22K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 233 | $3.0M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,658 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,658 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.