| 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 | $979K | $0 | $979K | 11.28% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 0.07% |
| MJ INSURANCE3 Filed as: TX AUTO DEALERS AND VARIOUS AGENTS | UNKNOWN AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $942 | $4K | $5K | 0.06% |
| ARIZONA AUTO DEALERS ASSN SERVICES3 Filed as: ARIZONA AUTO DEALERS ASSN SVCS INC. | UNKNOWN PHOENIX, AZ 85034 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $4K | $4K | 0.05% |
| OHIO AUTO DEALERS ASSN INS3 Filed as: OHIO AUTO DEALERS ASSN. INS. | UNKNOWN DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 0.02% |
| RHODE ISLAND AUTO DEALER3 | 335-D CENTERVILLE ROAD WARWICK, RI 02886 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| CT AUTOMOTIVE RETAILERS ASSOCITION3 | UNKNOWN HARTFORD, CT 06103 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2800 LIVERNOIS ROAD, SUITE 275 TROY, MI 48083 | DELTA DENTAL OF MICHIGAN | $62K | $11K | $73K | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | UNIVERSITY OF UTAH HEALTH INSURANCE PLANS | $62K | $0 | $62K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN INC | $58K | $0 | $58K | 3.17% |
| KEVIN COYNE3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $21K | $2K | $23K | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $30K | — | $30K | 4.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $61K | $0 | $61K | 10.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | SIMNSA | $28K | $0 | $28K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $0 | $645 | $645 | 1.64% |
| GLENN M. BUSH3 | 5601 TAMARAC TRACE BIRMINGHAM, AL 35242 | HARTFORD LIFE AND ACCIDENT | $79 | $0 | $79 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $367 | $367 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | EMPLOYERS DENTAL SERVICES | $1K | $0 | $1K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $331 | $2K | 13.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | GOLDEN WEST HEALTH PLAN, INC. | $1K | — | $1K | 8.32% |
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 | 10,502 | 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) | 10,502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNIVERSITY OF UTAH HEALTH INSURANCE PLANS | 685 | $6.0M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF MICHIGAN | 9,369 | $3.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,927 | $714K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 10,502 | $9.3M |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,047 | $8.7M |
| Long-term disability(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,047 | $8.8M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 194 | $3.1M |
| Other(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 11,381 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,381 | — |
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.