| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PB BOX 3009 SUITE 1601 ARLINGTON HEIGHTS, IL 63009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 3.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | P.0. BOX 3009, 21ST FL ARLINGTON HEIGHTS, IL 60006 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $144 | $144 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFFIT SERVICE | P.O. BOX 3009, 21ST FL ARLINGTON HEIGHTS, IL 60006 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.95% |
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 | 682 | 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) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 585 | $429K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 585 | $429K |
| Life insurance | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 682 | $32K |
| Short-term disability | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 682 | $95K |
| Long-term disability | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 682 | $118K |
| Other | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 682 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.