| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $206K | $205 | $206K | 5.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $45K | $45K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $375 | $375 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED CONCORDIA INSURANCE COMPANY | $81K | $40K | $121K | 4.46% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | $0 | $65K | 8.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | $0 | $45K | 5.95% |
| MICHELLE LECKLITER3 Filed as: MICHELLE F. LECKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 1.61% |
| DREW SKIBITSKY3 Filed as: DREW W. SKIBITSKY | 1000 FELL STREET, APARTMENT 627 BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 1.49% |
| JOHN A LECKLITER3 Filed as: JOHN A. LECKLITER | 10 LINDA LANE SERVENA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.56% |
| DALE SHADDOCK3 Filed as: DALE P. SHADDOCK | 19 CEDARVALE COURT COCKEYSVILLE, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.25% |
| MJ INSURANCE3 Filed as: MELISSA S. LYNCH AND OTHER BROKERS | 2234 CAMBRIDGE STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1900 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 5.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1900 CHICAGO, IL 60606 | HUMANA INSURANCE OF PUERTO RICO, INC. | $7K | $0 | $7K | 5.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1500 CHICAGO, IL 60606 | ACE AMERICAN INSURANCE COMPANY | $897 | $0 | $897 | 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 | 7,913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,950 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 62 | $945K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 8,522 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,913 | $3.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,913 | $3.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,913 | $3.4M |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 62 | $945K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,913 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,522 | — |
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."
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.