| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS HADLEY3 | UNKNOWN COLUMBUS, OH 43219 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $22K | — | $22K | 3.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 15303 VENTURA BOULEVARD, 7TH FLOOR SHERMAN OAKS, CA 91403 | HEALTH NET | $16K | $41 | $16K | 5.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2975 REGENT BOULEVARD IRVING, TX 75063 | DELTA DENTAL OF OHIO | $7K | — | $7K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $9K | $23K | 11.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203417 DALLAS, TX 75320 | VISION SERVICE PLAN | $2K | — | $2K | 4.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2030 MAIN STREET, SUITE 200 IRVINE, CA 92614 | PREMIER ACCESS INSURANCE COMPANY | $2K | — | $2K | 8.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | PREMIER ACCESS INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203373 DALLAS, TX 75320 | EYEMED | $899 | — | $899 | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | FEDERAL INSURANCE COMPANY | $582 | — | $582 | 14.99% |
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 | 613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 228 | $901K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 741 | $257K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 246 | $44K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 535 | $200K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 535 | $200K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 228 | $901K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 613 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.