| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | COMMUNITY INSURANCE COMPANY | $27K | $962 | $28K | 5.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $807 | $10K | 11.20% |
| ENROLLMENT COMMUNICATION WORKSITE3 | 1900 POLARIS PARKWAY COLUMBUS, OH 43240 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.19% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | — | $291 | $291 | 0.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD #200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $132 | $5K | 61.78% |
| ENROLLMENT COMMUNICATION WORKSITE3 | 1900 POLARIS PARKWAY COLUMBUS, OH 43240 | METROPOLITAN LIFE INSURANCE COMPANY | $388 | — | $388 | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 YOUNGSTOWN, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $98 | $3K | 56.40% |
| ENROLLMENT COMMUNICATION WORKSITE3 | 1900 POLARIS PARKWAY COLUMBUS, OH 43240 | METROPOLITAN LIFE INSURANCE COMPANY | $250 | — | $250 | 4.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $101 | $3K | 62.09% |
| ENROLLMENT COMMUNICATION WORKSITE3 | 1900 POLARIS PARKWAY COLUMBUS, OH 43240 | METROPOLITAN LIFE INSURANCE COMPANY | $234 | — | $234 | 4.63% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 87 | $549K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $86K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $86K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $86K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $86K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $86K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.