| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED CONCORDIA INSURANCE COMPANY | $96K | $119 | $96K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $190K | $320 | $190K | 7.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52K | $52K | 1.92% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147K | $0 | $147K | 16.79% |
| MORGAN STANLEY INS SERVICES INC3 Filed as: MORGAN STANLEY INSURANCE SERVICES | 700 PLAZA TWO, 7TH FLOOR JERSEY CITY, NJ 07311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125K | $0 | $125K | 14.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 3.81% |
| JOHN A LECKLITER3 Filed as: JOHN A. LECKLITER | 1915 TOWNE CENTRE BOULEVARD UNIT 314 ANNAPOLIS, MD 21401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 1.16% |
| MJ INSURANCE3 Filed as: MELISSA S. LYNCH AND VARIOUS AGENTS | 18 MADARY ROAD SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.60% |
| DREW SKIBITSKY3 Filed as: DREW M. SKIBITSKY | 1000 FELL STREET, SUITE 627 BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA CHICAGO, IL 60606 | HUMANA INSURANCE OF PUERTO RICO, INC. | $7K | $0 | $7K | 5.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | ACE AMERICAN INSURANCE COMPANY | $712 | $0 | $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 | 6,683 | 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) | 6,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE OF PUERTO RICO, INC. | 49 | $122K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 10,733 | $3.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,382 | $2.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,382 | $2.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,382 | $2.7M |
| Prescription drug | HUMANA INSURANCE OF PUERTO RICO, INC. | 49 | $122K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,382 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,733 | — |
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.