| 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. | $55K | — | $55K | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $150 | $3K | 3.06% |
| PETER J MACE3 Filed as: PETER MACE | 5775 GLENRIDGE DRIVE SUITE 500 BUILDING E ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $969 | $969 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 100 MATSONFORD ROAD 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT & SERVICES | 2850 GOLF ROAD # 1000 ROLLING MEADOWS, IL 60008 | EYEMED | $690 | — | $690 | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT & SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | EYEMED | $211 | — | $211 | 0.58% |
| PETER J MACE3 Filed as: PETER MACE | 5775 GLENRIDGE DRIVE BUILDING E , SUITE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $716 | $8K | 54.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O.BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75 | $75 | 0.48% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 556 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $105K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 556 | $2.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $34K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $21K |
| Prescription drug | HIGHMARK INC. | 556 | $2.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.