| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $75K | $75K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $189 | $189 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 16.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $842 | $0 | $842 | 4.26% |
| KAMIL A BREEDLOVE3 Filed as: KAMIL A. BREEDLOVE | 1701 EAST MEADOWBROOK AVENUE APARTMENT 355 PHOENIX, AZ 85016 | AFLAC | $922 | $0 | $922 | 10.38% |
| DANIEL J LONG3 Filed as: DANIEL J. LONG | 6100 CHEVY CHASE DRIVE SUITE 102 LAUREL, MD 20707 | AFLAC | $164 | $0 | $164 | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | AFLAC | $74 | $0 | $74 | 0.83% |
| JASON FAHRER3 | 3310 PRESERVE OAKS COURT FAIRFAX, VA 22030 | AFLAC | $44 | $0 | $44 | 0.50% |
| JOHN C KAUTTER3 Filed as: JOHN C. KAUTTER | 14155 NEWBROOK DRIVE, SUITE 130 CHANTILLY, VA 20151 | AFLAC | $18 | $0 | $18 | 0.20% |
| DIVYA JAIN3 | 4401 FAIR LAKES COURT, SUITE 304 FAIRVAX, VA 22033 | AFLAC | $9 | $0 | $9 | 0.10% |
| DIVYA JAIN3 | 14155 NEWBROOK DRIVE, SUITE 130 CHANTILLY, VA 20151 | AFLAC | $3 | $0 | $3 | 0.03% |
| UNKNOWN3 | UNKNOWN ARLINGTON, VA 22202 | TELADOC HEALTH | $140 | $0 | $140 | 2.99% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 111 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 233 | $117K |
| Vision | VISION SERVICE PLAN | 114 | $22K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $83K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $83K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 111 | $1.7M |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $121K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.