| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $8K | 1.83% |
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS, LLC | 60 BLACKSMITH ROAD NEWTOWN, PA 18940 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 2.97% |
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS, LLC | 60 BLACKSMITH ROAD NEWTOWN, PA 18940 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 2.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 0.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | -$31 | -$31 | -0.01% |
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 | 1,088 | 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) | 1,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,086 | $457K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,627 | $233K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,627 | $233K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,627 | $233K |
| Other | HARTFORD LIFE AND ACCIDENT | 3,627 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,627 | — |
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."
No prospect flags tripped on this filing.