| 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 | $1.2M | $0 | $1.2M | 11.33% |
| NJ CAR SERVICES, INC.3 Filed as: NJ CAR SERVICES INC. | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 0.06% |
| TEXAS AUTO DEALERS ASSOCIATION3 | UNKNOWN AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $5K | $6K | 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 | $1K | $1K | 0.01% |
| RHODE ISLAND AUTO DEALER3 | 335-D CENTERVILLE ROAD WARWICK, RI 02886 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| IADA SERVICE INC3 Filed as: IADA SERVICE INC. | UNKNOWN INDIANAPOLIS, IN 46204 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $75K | $0 | $75K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $75K | $0 | $75K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $33K | $0 | $33K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | SIMNSA | $26K | $0 | $26K | 4.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN INC | $43K | $0 | $43K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $392 | $2K | 15.70% |
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 | 11,981 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIMNSA | 186 | $969K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 9,781 | $4.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,352 | $896K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 11,981 | $11.7M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 6,412 | $11.0M |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 6,412 | $11.0M |
| Prescription drug(2 contracts, 2 carriers) | SIMNSA | 186 | $969K |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 13,510 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,510 | — |
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.