| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1753 PINNACLE DRIVE, 8TH FLOOR MCLEAN, VA 22102 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $103K | $103K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 9020 STONY POINT PARKWAY, SUITE 200 RICHMOND, VA 23235 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $184K | — | $184K | 14.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203014 DALLAS, TX 75320 | VISION SERVICE PLAN | $2K | — | $2K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1753 PINNACLE DRIVE, SUITE 800 MCLEAN, VA 22102 | MONUMENTAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1753 PINNACLE DRIVE, SUITE 800 MCLEAN, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $232 | — | $232 | 6.49% |
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 | 889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 889 | $5.2M |
| Vision | VISION SERVICE PLAN | 513 | $74K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 824 | $1.2M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 824 | $1.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 824 | $1.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 889 | $5.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 824 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.