| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE NEW YORK, NY 10177 | AETNA LIFE INSURANCE COMPANY | $70K | $8K | $78K | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | INDEPENDENT HEALTH BENEFITS CORPORATION | $9K | $0 | $9K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, IN.C | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EMBLEMHEALTH | $8K | — | $8K | 3.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN, INC. | $7K | — | $7K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM BLUE CROSS | $4K | — | $4K | 10.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 16.80% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $405 | $135 | $540 | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 649 MOUNT VERNON, NY 10552 | ZURICH AMERICAN INSURANCE COMPANY | $405 | — | $405 | 15.00% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 233 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 233 | $2.5M |
| Vision(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 233 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 140 | $56K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 140 | $56K |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 233 | $3.1M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 140 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
No prospect flags tripped on this filing.