| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 S, 8TH FL ST LOUIS PARK, MN 55426 | MEDICA INSURANCE COMPANY | $118K | $17K | $136K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 S, 8TH FL ST LOUIS PARK, MN 55426 | HARTFORD LIFE AND ACCIDENT | $59K | — | $59K | 17.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 150 N MICHIGAN AVE, STE 3900 CHICAGO, IL 60601 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 S, 8TH FL ST LOUIS PARK, MN 55426 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 S, 8TH FLOOR ST LOUIS PARK, MN 55426 | HYATT LEGAL PLANS | $2K | — | $2K | 9.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 64 MONROE AVE NW, SUITE 300 GRAND RAPIDS, MI 49503 | HYATT LEGAL PLANS | — | $217 | $217 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO OF CA INSURANCE SERVICE | 11017 COBBLEROCK DR, #100 RANCHO CORDOVA, CA 95670 | HYATT LEGAL PLANS | — | $146 | $146 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | — | $27 | $27 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | 400 HIGHWAY 169 S, 8TH FL ST LOUIS PARK, MN 55426 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $81 | — | $81 | 9.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HIGHWAY 169 S, 8TH FL ST LOUIS PARK, MN 55426 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $61 | — | $61 | 10.02% |
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 | 676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 1,640 | $7.9M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,085 | $53K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 699 | $342K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 699 | $342K |
| Prescription drug | MEDICA INSURANCE COMPANY | 1,640 | $7.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 699 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,640 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.