| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 5455 WILSHIRE BLVD, SUITE 1816 LOS ANGELES, CA 90036 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $18K | $2K | $20K | 19.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 5455 WILSHIRE BLVD, SUITE 1816 LOS ANGELES, CA 90036 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | $402 | $4K | 18.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 5455 WILSHIRE BLVD, SUITE 1816 LOS ANGELES, CA 90036 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | $224 | $2K | 18.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-ALABAMA | 729 DALLAS AVE SELMA, AL 36701 | VISION SERVICE PLAN | $548 | — | $548 | 6.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $114 | — | $114 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-ALABAMA | 5455 WILSHIRE BLVD, SUITE 1816 LOS ANGELES, CA 90036 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $227 | $26 | $253 | 18.24% |
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 | 35 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 35 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 59 | $8K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 28 | $23K |
| Short-term disability(2 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 28 | $14K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 28 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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.