| 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 INC | $46K | — | $46K | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $7K | $16K | 17.34% |
| PETER J MACE3 Filed as: PETER MACE | 5775 GLENRIDGE DRIVE, SUITE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $523 | $523 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVENUE E, STE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 31.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $514 | $514 | 2.87% |
| HODGES-MACE BENEFITS GRP INC3 | SUITE 3500, 5775 E GLENRIDGE DRIVE ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $385 | — | $385 | 2.15% |
| PETER J MACE3 Filed as: PETER MACE | 5775 GLENRIDGE DRIVE, SUITE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 34.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $464 | $464 | 3.49% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC | 300 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $90K |
| Vision(2 contracts) | EYEMED | 414 | $35K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $14K |
| Prescription drug | HIGHMARK INC | 300 | $2.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.