| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDATLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $906K | — | $906K | 11.31% |
| TEXAS AUTO DEALERS ASSOCIATION3 Filed as: TEXAS AUTO DEALERS AND OTHER AGENTS | UNKNOWN AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $403 | $6K | $6K | 0.08% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | — | $6K | 0.08% |
| ARIZONA BENEFIT CONSULTANTS LLC3 Filed as: ARIZONA AUTO DEALERS ASSOC. SVCS. | UNKNOWN PHOENIX, AZ 85064 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $4K | $4K | 0.04% |
| GROUP CONSULTING, INC.3 | 2035 STATE ROUTE 27, SUITE 1080 EDISON, NJ 08817 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 0.02% |
| RHODE ISLAND AUTO DEALER3 | 335-D CENTERVILLE ROAD WARWICK, RI 02886 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 0.02% |
| CT AUTOMOTIVE RETAILERS ASSOCITION3 Filed as: CT AUTOMOTIVE RETAILERS ASSOCIATION | UNKNOWN HARTFORD, CT 06103 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $77K | — | $77K | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN INC | $113K | — | $113K | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | SIMNSA | $24K | — | $24K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $33K | $6K | $39K | 10.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DENTEGRA INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $537 | $537 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $472 | $472 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | GOLDEN WEST HEALTH PLAN, INC. | $2K | — | $2K | 6.95% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN BLOOMFIELD HILLS, MI 48302 | EMPLOYERS DENTAL SERVICES | $3K | — | $3K | 8.00% |
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 | 13,637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,354 | $10.7M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF MICHIGAN | 10,368 | $4.1M |
| Vision | VISION SERVICE PLAN | 5,401 | $617K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 11,961 | $8.5M |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,354 | $8.1M |
| Long-term disability(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,354 | $8.1M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 287 | $2.7M |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 13,637 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,637 | — |
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.