| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $142K | $0 | $142K | 9.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN AND ASSOC., LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $71K | $71K | 4.82% |
| CLEARTRACK HR, LLC3 | PO BOX 69 HARVEST, AL 35749 | RELIASTAR LIFE INSURANCE COMPANY | $173K | $0 | $173K | 18.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $81K | $0 | $81K | 8.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD HILLS, MI 48302 | HUMANA INSURANCE COMPANY | $22K | $0 | $22K | 11.05% |
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 | 4,002 | 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) | 4,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 1,285 | $201K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,002 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,002 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,002 | $1.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,495 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,495 | — |
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.