| 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 | $98K | — | $98K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $78 | $11K | 5.03% |
| 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 | 6.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $4K | $2K | $5K | 6.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $4K | $1K | $5K | 8.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $4K | $851 | $5K | 11.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | VISION SERVICE PLAN | $1K | — | $1K | 5.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | CIGNA GROUP INSURANCE | $1K | $186 | $2K | 16.96% |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 269 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 790 | $215K |
| Vision | VISION SERVICE PLAN | 239 | $23K |
| Life insurance | CIGNA GROUP INSURANCE | 316 | $105K |
| Short-term disability | CIGNA GROUP INSURANCE | 316 | $83K |
| Long-term disability | CIGNA GROUP INSURANCE | 316 | $44K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 269 | $2.9M |
| Other(2 contracts) | CIGNA GROUP INSURANCE | 316 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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.