| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $19K | — | $19K | 6.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $5 | $5 | 0.00% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811054 | METLIFE | $4K | — | $4K | 2.56% |
| BOLLINGHER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811054 | METLIFE | — | $3K | $3K | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ARTHUR J GALLAGHER CO-SUITE 300 400 MIDLAND DRIVE MT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.96% |
| FERRARA FINANCIAL GROUP, LLC3 Filed as: FERRARA FINANCILA GROUP | — | GUARDIAN | $4K | — | $4K | 20.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 200 JEFFERSON PARK GBS DIVISION WHIPPANY, NJ 07981 | GUARDIAN | $2K | — | $2K | 10.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | GUARDIAN | $1K | — | $1K | 6.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HYATT LEGAL | $669 | — | $669 | 10.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CALIF | 505 NORTH BRAND BOULEVARD GLENDALE, CA 912033944 | HYATT LEGAL | — | $91 | $91 | 1.39% |
| BOLLIGHER INC3 | 830 MORRIS TURNPIKE SHORT HILLS, NJ 070789883 | HYATT LEGAL | — | $12 | $12 | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | THE HARTFORD | $1K | — | $1K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $193K |
| AETNA BEHAVIORAL HEALTH LLC EIN 06-6033492 PLAN ADMINISTRATOR | Contract Administrator Service code 13 | — | $5K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $199 |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE | 357 | $175K |
| Vision | AETNA LIFE INSURANCE COMPANY | 151 | $18K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 304 | $84K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 304 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.