| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $176K | $0 | $176K | 6.56% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $672 | $672 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITED CONCORDIA INSURANCE COMPANY | $45K | $9K | $54K | 2.99% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | $0 | $31K | 5.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2580 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 3.30% |
| DREW SKIBITSKY3 Filed as: DREW M. SKIBITSKY | 1000 FELL STREET, SUITE 627 BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.01% |
| MICHELLE LECKLITER3 Filed as: MICHELLE F. LECKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.26% |
| JOHN A LECKLITER3 Filed as: JOHN A. LECKLITER | 2454 BARONSMED EAST COURT WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $870 | $0 | $870 | 0.15% |
| MELISSA S LYNCH3 Filed as: MELISSA S. LYNCH | 2234 CAMBRIDGE STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 0.05% |
| MJ INSURANCE3 Filed as: DALE P. SHADDOCK AND VARIOUS AGENTS | 19 CEDARVALE COURT COCKEYSVILLE, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | $0 | $192 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF VIRGINIA | $19K | $6K | $25K | 6.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | HUMANA INSURANCE OF PUERTO RICO, INC. | $4K | $0 | $4K | 3.41% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE, INC. | PO BOX 9024048 SAN JUAN, PR 00902 | HUMANA INSURANCE OF PUERTO RICO, INC. | $3K | $0 | $3K | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD 3 RADNOR CORPORATE CENTER RADNOR, PA 19087 | ACE AMERICAN INSURANCE COMPANY | $897 | $125 | $1K | 11.40% |
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 | 3,544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 164 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 53 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 5,460 | $1.8M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 4,705 | $411K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,562 | $2.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,562 | $2.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,562 | $2.7M |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 53 | $1.3M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,562 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,460 | — |
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.