| 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 | $253K | $315 | $253K | 7.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $66K | $66K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $185 | $185 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED CONCORDIA INSURANCE COMPANY | $61K | $27K | $88K | 4.31% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | $0 | $39K | 5.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 3.68% |
| DREW SKIBITSKY3 Filed as: DREW M. SKIBITSKY | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.06% |
| MICHELLE LECKLITER3 Filed as: MICHELLE F. LICKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.31% |
| JOHN A LECKLITER3 Filed as: JOHN A. LECKLITER | 2454 BARONSMED EAST COURT WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.19% |
| DALE SHADDOCK3 Filed as: DALE P. SHADDOCK | 19 CEDARVALE COURT COCKEYSVILLE, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $505 | $0 | $505 | 0.08% |
| MJ INSURANCE3 Filed as: MELISSA S. LYNCH AND OTHER AGENTS | 2234 CAMBRIDGE STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $449 | $0 | $449 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $24K | $9K | $33K | 7.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1900 CHICAGO, IL 60606 | HUMANA INSURANCE OF PUERTO RICO, INC. | $7K | $0 | $7K | 5.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1500 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD BUILDING 3, SUITE 100 RADNOR, PA 19087 | ACE AMERICAN INSURANCE COMPANY | $897 | $72 | $969 | 10.81% |
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 | 4,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,006 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 64 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 6,501 | $2.0M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 5,562 | $469K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,280 | $3.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,280 | $3.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,280 | $3.4M |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 64 | $1.1M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,280 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,280 | — |
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.