| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | TOTAL HEALTH CARE USA | $35K | — | $35K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 10.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD., STE 408 BINGHAM FARMS, MI 48025 | SUN LIFE ASSURANCE CO OF CANADA | $4K | — | $4K | 10.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, MI 48025 | SUN LIFE ASSURANCE CO OF CANADA | $665 | — | $665 | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD., STE 408 BINGHAM FARMS, MI 48025 | EYEMED | $810 | — | $810 | 9.94% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 236 | $80K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA | 234 | $1.1M |
| Life insurance | SUN LIFE ASSURANCE CO OF CANADA | 137 | $34K |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 137 | $34K |
| Prescription drug | TOTAL HEALTH CARE USA | 221 | $1.1M |
| Other | SUN LIFE ASSURANCE CO OF CANADA | 137 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.