| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER RADNOR, PA 19087 | KEYSTONE | $71K | $0 | $71K | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $35K | $0 | $35K | 4.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD, SUITE 510 RADNOR, PA 19087 | UNION SECURITY INSURANCE COMPANY | $14K | $0 | $14K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNION SECURITY INSURANCE COMPANY | $0 | $3K | $3K | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD, SUITE 510 RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $843 | $0 | $843 | 4.50% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 175 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $140K |
| Vision | VISION BENEFITS OF AMERICA | 174 | $19K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 221 | $142K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 221 | $142K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 221 | $142K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE | 175 | $2.7M |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 221 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.