| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVENUE, SUITE 805 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $167K | $47K | $214K | 5.62% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $0 | $137K | $137K | 3.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3700 EMBASSY PARKWAY, SUITE 160 AKRON, OH 44333 | STANDARD INSURANCE COMPANY | $0 | $37K | $37K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $45K | $0 | $45K | 10.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | ARAG SERVICES, LLC | $5K | $0 | $5K | 10.00% |
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 | 3,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 78 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 603 | $3.9M |
| Vision | VISION SERVICE PLAN | 2,580 | $448K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,415 | $3.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,415 | $3.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 603 | $3.9M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 3,438 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,438 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.