| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA HEALTH, INC. | $59K | $0 | $59K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE MOUNT LAUREL, NJ 08054 | AETNA HEALTH, INC. | $57K | $0 | $57K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS MEMORIAL BOULEVARD SUITE 1100 METAIRIE, LA 70005 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $106 | $63K | 9.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $3K | $412 | $4K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $15K | — |
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 | 664 | 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) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 1,062 | $6.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,066 | $638K |
| Vision | VISION SERVICE PLAN | 652 | $64K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 935 | $188K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 664 | $0 |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 1,062 | $6.2M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 988 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,066 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.