| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHR BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MATTHEW THORNTON HEALTH PLAN, INC. | $57K | $0 | $57K | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 13.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 9.65% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $362 | $0 | $362 | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $3K | $0 | $3K | 15.79% |
| JAIME HUTTON3 Filed as: JAIME M. HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $2K | $360 | $2K | 12.17% |
| ANASTASIA MODLIN3 Filed as: ANASTASIA ELAINE MODLIN | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $289 | $72 | $361 | 1.88% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $77 | $29 | $106 | 0.55% |
| CHRISTINA J BEEKE3 Filed as: CHRISTINA J. BEEKE | 41 FLORAL AVENUE WESTFIELD, MA 01085 | AFLAC | $51 | $0 | $51 | 0.27% |
| CHRISTOPHER E ROTH3 Filed as: CHRISTOPHER E. ROTH | 482 SOUTHBRIDGE STREET, SUITE 9 AUBURN, MA 01501 | AFLAC | $10 | $0 | $10 | 0.05% |
| BENEDIKT N MASON3 Filed as: BENEDIKT N. MASON AND OTHER AGENTS | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | AFLAC | $9 | $0 | $9 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | BANKERS FIDELITY INSURANCE COMPANY | $3K | $0 | $3K | 19.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $714 | $0 | $714 | 13.00% |
| GALLAGHR BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $81 | $0 | $81 | 1.79% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 584 | $3.2M |
| Vision(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 584 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $167K |
| Short-term disability | AFLAC | 17 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $151K |
| Prescription drug(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 584 | $3.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.