| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $922K | $0 | $922K | 11.21% |
| ARIZONA AUTO DEALERS ASSN SERVICES3 | UNKNOWN PHOENIX, AZ 85064 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | $5K | $9K | 0.11% |
| CONNECTICUT AUTOMOTIVE RETAILERS3 Filed as: CONNECTICUT AUTO & OTHER AGENTS | UNKNOWN HARTFORD, CT 06103 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $7K | $7K | 0.09% |
| NEW JERSEY CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | $0 | $7K | 0.08% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP, LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 0.03% |
| RHODE ISLAND AUTO DEALER3 | 335-D CENTERVILLE ROAD WARWICK, RI 02886 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.02% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY, INC. | 7 STATE CIRCLE, SUITE 301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $212 | $0 | $212 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1800 CHAPEL AVENUE WEST SUITE 160 CHERRY HILL, NJ 08002 | BLUE CARE MI | $0 | $175K | $175K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $76K | $0 | $76K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN INC | $91K | $0 | $91K | 5.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $267K | $40K | $307K | 17.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD, SUITE 510 RADNOR, PA 19087 | SIMNSA | $27K | $0 | $27K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $41K | $5K | $46K | 12.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE SUITE 300 MOUNT LAUREL, NJ 08054 | DENTEGRA INSURANCE COMPANY | $5K | $0 | $5K | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 4.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $52 | $52 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 EAST WARRENVILLE ROAD SUITE 230 NAPERVILLE, IL 60563 | GOLDEN WEST HEALTH PLAN, INC. | $3K | $0 | $3K | 8.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ITASCA, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $364 | $364 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD, SUITE 510 RADNOR, PA 19087 | PRINCIPAL | $2K | $0 | $2K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.96% |
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 | 11,946 | 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) | 11,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,342 | $10.6M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF MICHIGAN | 10,393 | $4.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,583 | $699K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 11,946 | $438K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,342 | $8.3M |
| Long-term disability(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,342 | $8.3M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 245 | $2.3M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUE CARE MI | 11,946 | $7.4M |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 11,946 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,946 | — |
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.