| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | INDEPENDENCE BLUE CROSS | $13K | $5K | $18K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | KEYSTONE | $12K | $1K | $13K | 3.46% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 325 CHESTNUT STREET PHILADELPHIA, PA 19106 | AETNA LIFE INSURANCE CO. | $124 | — | $124 | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $2K | $676 | $2K | 17.00% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 90 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 129 | $37K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 90 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 298 | $14K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 90 | $1.1M |
| Other(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 298 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.