| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD. SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | $82K | — | $82K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PL FL. 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $41 | $10K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $5K | $2K | $7K | 6.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $4K | $637 | $4K | 5.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $3K | $464 | $4K | 7.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $4K | $607 | $5K | 11.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | VISION SERVICE PLAN | $1K | — | $1K | 5.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $1K | $137 | $2K | 16.50% |
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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 262 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 782 | $199K |
| Vision | VISION SERVICE PLAN | 237 | $22K |
| Life insurance | CIGNA GROUP INSURANCE | 302 | $100K |
| Short-term disability | CIGNA GROUP INSURANCE | 302 | $74K |
| Long-term disability | CIGNA GROUP INSURANCE | 302 | $42K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 262 | $2.6M |
| Other(2 contracts) | CIGNA GROUP INSURANCE | 285 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.