| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC | 500 SILVER SPUR ROAD #121 PALOS VERDES, CA 90275 | HEALTH NET | $110K | — | $110K | 4.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE - SUITE 1400 BIRMINGHAM, AL 35203 | TRUSTMARK INSURANCE COMPANY | $60K | — | $60K | 30.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.67% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.97% |
| GALLAGHER BENEFIT SERVICES, INC.0 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE - SUITE 1400 BIRMINGHAM, AL 35203 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 19.20% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $3K | — | $3K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE - SUITE 1400 BIRMINGHAM, AL 35203 | TRUSTMARK INSURANCE COMPANY | $13K | — | $13K | 25.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $0 |
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 | 3,292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 292 | $2.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,314 | $636K |
| Vision | VISION SERVICE PLAN | 533 | $60K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 470 | $302K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $140K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 616 | $790K |
| Other(6 contracts, 4 carriers) | TRUSTMARK INSURANCE COMPANY | 565 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,314 | — |
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.