| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $57K | — | $57K | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $157K | $43K | $200K | 8.94% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152K | — | $152K | 29.33% |
| RYAN HINES3 Filed as: RYAN STUART | 2001 15TH STREET NORTH ARLINGTON, VA 22201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | — | $35K | 6.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | — | $31K | 6.03% |
| MORGAN STANLEY INS SERVICES INC3 Filed as: MORGAN STANLEY INS. SERVICES, INC. | 700 PLAZA 2, 7TH FLOOR JERSEY CITY, NJ 07311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 5.28% |
| JONH A. LECKLITER3 | 1915 TOWNE CENTRE BOULEVARD UNITE 314 ANNAPOLIS, MD 21401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 2.71% |
| MJ INSURANCE3 Filed as: DREWSKIBITSKY AND VARIOUS AGENTS | 1000 FELL STREET, APT. 627 BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 2.27% |
| JASON M ROBERTSON3 Filed as: JASON M. ROBERTSON | 1511 RITCHIE HIGHWAY ARNOLD, MD 21012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1900 CHICAGO, IL 60606 | HUMANA INSURANCE OF PUERTO RICO, INC. | $4K | — | $4K | 3.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | CONTINENTAL CASUALTY COMPANY | $1K | — | $1K | 5.00% |
| UNKNOWN3 | UNKNOWN WILMINGTON, DE 19801 | ACE AMERICAN INSURANCE COMPANY | $712 | — | $712 | 10.00% |
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 | 6,364 | 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) | 6,364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,166 | $620K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 10,251 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,810 | $2.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,364 | $2.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,364 | $2.2M |
| Prescription drug | HUMANA INSURANCE OF PUERTO RICO, INC. | 46 | $102K |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,810 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,251 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.