| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | KAISER FOUNDATION HEALTH PLAN, INC. | $141K | $0 | $141K | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $28K | $62K | 11.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | WYSSTA INSURANCE COMPANY, INC. | $7K | $0 | $7K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| VERITAS INSURANCE SOLUTIONS, LLC3 | 7445 CROSS COUNTRY ROAD, SUITE 10 NORTH CHARLESTON, SC 29418 | AFLAC | $3K | $0 | $3K | 17.60% |
| KRISTIN SWISHER-MCFADDEN3 | 1820 WEST CANNING DRIVE MOUNT PLEASANT, SC 29466 | AFLAC | $175 | $3 | $178 | 1.21% |
| RYAN BOTINDARI3 | 2675 ORCHID AVENUE NORTH CHARLESTON, SC 29405 | AFLAC | $142 | $0 | $142 | 0.96% |
| RICHARD JOHNSTON3 | 424 OTIS ROAD WALTERBORO, SC 29488 | AFLAC | $111 | $11 | $122 | 0.83% |
| MARK RICHARD PRASCH3 | 9713 FLOODED FIELD DRIVE LADSON, SC 29456 | AFLAC | $25 | $3 | $28 | 0.19% |
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 | 829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 596 | $3.6M |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 608 | $75K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 977 | $519K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 977 | $519K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 977 | $519K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 596 | $3.6M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 977 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.