| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 NORTHFIELD DR, FL 3 WINSDOR, CT 06095 | UNITED HEALTHCARE INSURANCE COMPANY | $91K | $0 | $91K | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | UNITED HEALTHCARE INSURANCE COMPANY | — | $500 | $500 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD, 8TH FLOOR ROLLING MEADOWS, IL 60008 | ANTHEM HEALTH PLANS INC | $8K | $0 | $8K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE ITASCA, IL 60143 | ANTHEM HEALTH PLANS INC | $3K | $0 | $3K | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 NORTHFIELD DRIVE, 3RD FL WINDSOR, CT 06095 | SYMETRA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 7.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD, 5TH FLR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 NORTHFIELD DRIVE, THIRD FLOOR WINDSOR, CT 06095 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 33.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INS SERVICES INC | 914 HARTFORD TURNPIKE WATERFORD, CT 06385 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 3 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 634 | $5.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 149 | $35K |
| Vision | VISION SERVICE PLAN | 317 | $47K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 383 | $239K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 383 | $232K |
| Prescription drug | ANTHEM HEALTH PLANS INC | 117 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.