| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFITS AGENCY INC3 Filed as: PROGRESSIVE BENEFITS AGENCY INC. | 31300 SOLON ROAD SUITE 8 SOLON, OH 44139 | GUARDIAN LIFE INSURANCE | $16K | $8K | $24K | 12.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $1K | — | $1K | 5.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | P.O. BOX 27267 MINNEAPOLIS, MN 55427 | $70K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 CONSULTANT | Consulting (general) Service code 16 | 2850 WEST GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | $62K |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE | 184 | $187K |
| Vision | VISION SERVICE PLAN | 199 | $21K |
| Life insurance | GUARDIAN LIFE INSURANCE | 184 | $187K |
| Short-term disability | GUARDIAN LIFE INSURANCE | 184 | $187K |
| Long-term disability | GUARDIAN LIFE INSURANCE | 184 | $187K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 147 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.