| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: ARTHUR J GALLAGHER | 300 SOUTH RIVERSIDE PLAZA STE 1500 CHICAGO, IL 60694 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL DATA SERVICES, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 60 BLVD OF THE ALLIES, 5TH FLOOR PITTSBURGH, PA 15222 | $114K |
| MERCER INVESTMENT CONSULTING LLC NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | PO BOX 730182 DALLAS, TX 753730182 | $74K |
| GALLAGHER BENEFIT SERVICES, INC. NONE | Direct payment from the plan; Consulting (general) Service code 16 | TWO PIERCE PLACE - 14TH FLOOR ITASCA, IL 60143 | $50K |
| LEE BENEFITS CONSULTING, INC. EIN 80-0701462 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $38K |
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| DAVID JULIO COMMITTEE MEMBER | Direct payment from the plan; Named fiduciary Service code 31 | 502 W FERRWILD DR. TORONTO, OH 43964 | $20K |
| JAMES SULLIVAN COMMITTEE MEMBER | Direct payment from the plan; Named fiduciary Service code 31 | 440 LAUREL VALLEY DR. SHALLOTTE, NC 28470 | $20K |
| RICHARD BOWNESS COMMITTEE MEMBER | Direct payment from the plan; Named fiduciary Service code 31 | 205 BONNIE ST. BELLE VERNON, PA 15012 | $20K |
| FUSCO GALLAGHER & PORCARO LLP NONE | Legal; Direct payment from the plan Service code 29 | 1215 SUPERIOR AVE 225 CLEVELAND, OH 44114 | $9K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,829 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,681 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 2,576 | $4.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 632 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,576 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.