| 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 | $1.1M | $0 | $1.1M | 11.32% |
| NJ CAR SERVICES, INC.3 Filed as: NJ CAR SERVICES INC. | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 0.07% |
| TEXAS AUTO DEALERS ASSOCIATION3 Filed as: TEXAS AUTO DEALERS AND OTHER AGENTS | UNKNOWN AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $997 | $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 | 0.04% |
| OHIO AUTO DEALERS ASSN INS3 Filed as: OHIO AUTO DEALERS ASSN INSURANCE | 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% |
| CONNECTICUT AUTOMOTIVE RETAILERS3 | UNKNOWN HARTFORD, CT 06103 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $923 | $923 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $62K | $3K | $65K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN INC | $48K | $0 | $48K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | $0 | $66K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | SIMNSA | $30K | $0 | $30K | 5.00% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $12K | $0 | $12K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $2K | $415 | $2K | 6.25% |
| BROKERAGE CONCEPTS INC3 | 801 LAKEVIEW DRIVE, SUITE 301 BLUE BELL, PA 19422 | HARTFORD LIFE AND ACCIDENT | $6 | — | $6 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE 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 | $337 | $2K | 14.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | GOLDEN WEST HEALTH PLAN, INC. | $867 | $0 | $867 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $861 | $0 | $861 | 10.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $102 | $102 | 1.25% |
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 | 11,185 | 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) | 11,185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 189 | $2.2M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF MICHIGAN | 9,496 | $4.0M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 3,285 | $245K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 11,185 | $10.0M |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,411 | $9.3M |
| Long-term disability(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 5,411 | $9.3M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 189 | $2.2M |
| Other(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 12,743 | $10.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,743 | — |
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.