| 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 | $972K | $0 | $972K | 11.30% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | $0 | $8K | 0.09% |
| ARIZONA AUTO DEALERS ASSN SERVICES3 Filed as: ARIZONA AUTO DEALERS ASSN. SERVICES | UNKNOWN PHOENIX, AZ 85064 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $5K | $5K | 0.06% |
| MJ INSURANCE3 Filed as: LADA SERVICE INC AND VARIOUS AGENTS | UNKNOWN INDIANAPOLIS, IN 46204 | AMERICAN FIDELITY ASSURANCE COMPANY | $250 | $5K | $5K | 0.06% |
| RHODE ISLAND AUTO DEALER3 | 333-D CENTERVILLE ROAD WARWICK, RI 02886 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| CONNECTICUT AUTOMOTIVE RETAILERS3 | UNKNOWN HARTFORD, CT 06103 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| THE WILSHIRE GROUP LLC Filed as: WILSHIRE GROUP, LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | AMERICAN FIDELITY ASSURANCE COMPANY | $202 | $0 | $202 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $77K | $0 | $77K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN INC | $86K | $0 | $86K | 5.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $34K | $0 | $34K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | SIMNSA | $30K | $0 | $30K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $42K | $5K | $47K | 11.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $634 | $634 | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 4.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $287 | $287 | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | EMPLOYERS DENTAL SERVICES | $2K | $0 | $2K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | GOLDEN WEST HEALTH PLAN, INC. | $746 | $1K | $2K | 7.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | GOLDEN WEST HEALTH PLAN, INC. | $1K | $0 | $1K | 5.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.04% |
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 | 11,802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,091 | $10.9M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF MICHIGAN | 10,460 | $4.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,749 | $751K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 11,920 | $487K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,091 | $8.7M |
| Long-term disability(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,091 | $8.7M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 239 | $2.3M |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 13,455 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,455 | — |
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.