| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVENUE, SUITE 805 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $3K | $301 | $3K | 7.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $847 | $847 | 2.01% |
| DENNIS R. DIFFENDERFER3 | 1120 AUGUSTA CIRCLE NORTH HUNTINGTON, PA 15642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.71% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $440 | $14 | $454 | 1.13% |
| DENNIS R. DIFFENDERFER3 | 1120 AUGUSTA CIRCLE NORTH HUNTINGTON, PA 15642 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 15.52% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $663 | $29 | $692 | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | HIGHMARK INC. | $195 | $0 | $195 | 1.00% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 303 | $87K |
| Vision | HIGHMARK INC. | 284 | $19K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 245 | $82K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 245 | $77K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 245 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.