| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $6K | $6K | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $540 | $540 | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $2 | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6701 HIGHWAY BOULEVARD, SUITE 212 KATY, TX 77494 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $3K | $0 | $3K | 15.00% |
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 | 895 | 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) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 16 | $115K |
| Dental | AETNA LIFE INSURANCE COMPANY | 16 | $115K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 613 | $277K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 895 | $717K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 895 | $717K |
| Other(5 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 895 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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."
No prospect flags tripped on this filing.