| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON GALLAGHER & ASSOCIATES | 1375 E. 9TH STREET 30TH FLOOR CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON GALLAGHER & ASSOCIATES | 1375 E. 9TH STREET 30TH FLOOR CLEVELAND, OH 44114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 8.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT ST. SUITE 100 WAUSAU, WI 54403 | $435K |
| BRITTON GALLAGHER & ASSOCIATES EIN 34-1342464 CONSULTING | Consulting fees Service code 70 | 1375 E. 9TH STREET 30TH FLOOR CLEVELAND, OH 44114 | $150K |
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 | 1,292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,873 | $346K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,873 | $346K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 451 | $103K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 1,415 | $519K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,873 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,873 | — |
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.