| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3600 AMERICAN BLVD. SUITE 500 WEST BLOOMINGTON, MN 55431 | HIGHMARK INC. | $14K | — | $14K | 0.99% |
| KRIS A. STOVER3 | 726 LANCASTER RD. P.O. BOX 448 FOMBELL, PA 16123 | HIGHMARK INC. | -$43 | — | -$43 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. INC | 2850 GOLF ROAD ARLINGTON HEIGHTS, IL 60006 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 3.68% |
| DENNIS R. DIFFENDERFER3 | 1120 AUGUSTA CIRCLE NORTH HUNTINGDON, PA 15642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.46% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | P.O. BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $75 | $1K | 6.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $830 | — | $830 | 4.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 NORTH BRAND BLVD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $375 | — | $375 | 2.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 NORTH BRAND BLVD. GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $878 | — | $878 | 5.25% |
| DIFFENDERFER, DENNIS, R3 Filed as: DIFFENDERFER, DENNIS R. | 1120 AUGUSTA CIRCLE NORTH HUNTINGDON, PA 15642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
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 | 436 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 275 | $1.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 278 | $87K |
| Vision | HIGHMARK INC. | 275 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 243 | $17K |
| Short-term disability | STANDARD INSURANCE COMPANY | 31 | $17K |
| Prescription drug | HIGHMARK INC. | 275 | $1.4M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.