| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD W SUITE 500 BLOOMINGTON, MN 55431 | HIGHMARK | $24K | — | $24K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BLVD W SUITE 500 BLOOMINGTON, MN 55431 | HIGHMARK | $4K | — | $4K | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO. INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $43 | $2K | 1.47% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, GBS FINANCE 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BLVD. W SUITE 500 BLOOMINGTON, MN 55431 | HIGHMARK | $1 | — | $1 | 0.00% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 513 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 457 | $146K |
| Vision | HIGHMARK | 518 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $73K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $73K |
| Prescription drug | HIGHMARK | 414 | $271K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.