| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $128K | $21K | $149K | 14.11% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS, INC. | PO BOX 21545 EGAN, MI 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 7.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $130 | $2K | 1.72% |
| PAUL J. CONNOLLY3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $408 | $0 | $408 | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $908 | $908 | 1.25% |
| GARY W. SMITH3 | 942 HEATHERSTONE DRIVE BERWYN, PA 19312 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.59% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER CHARLES COCORES | 100 STERLING PARKWAY, SUITE 307 MECHANICSBURG, PA 17050 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $400 | $0 | $400 | 0.90% |
| MATTHEW JAMES DOBBIE3 | 3000 TOWN CENTER, SUITE 3100 SOUTHFIELD, MI 48075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $199 | $0 | $199 | 0.45% |
| JOSEPH MICHAEL FARAGASSO3 | 1304 NORTHUMBERLAND ROAD COATESVILLE, PA 19320 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $185 | $0 | $185 | 0.42% |
| LAWRENCE M. MCHUGH3 | 111 E UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $152 | $0 | $152 | 0.34% |
| DANIEL P BATTY3 Filed as: DANIEL P. BATTY | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61 | $8 | $69 | 0.16% |
| MJ INSURANCE3 Filed as: MICHAEL J. LYNCH AND VARIOUS AGENTS | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.06% |
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 | 1,207 | 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) | 1,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 2,664 | $19.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,492 | $801K |
| Vision | INDEPENDENCE BLUE CROSS | 2,664 | $19.2M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,207 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,207 | $1.2M |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,207 | $1.2M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 2,664 | $19.2M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,207 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,664 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.