| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, FLOOR 21 ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $4K | $14K | 4.73% |
| GIBSON INSURANCE AGENCY, INC.3 | 333 EAST JEFFERSON STREET PLYMOUTH, IN 46563 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 13.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.27% |
| GIBSON INSURANCE AGENCY, INC.3 | 333 EAST JEFFERSON STREET PLYMOUTH, IN 46563 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, APRTMENT 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 27.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $265 | $265 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | $0 | $96 | 0.50% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 2807 CLINTON, IA 52733 | AMERITAS LIFE INSURANCE CORPORATION | $908 | $0 | $908 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, FLOOR 21 ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $83 | $83 | 0.91% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $86K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 178 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $86K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $86K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $86K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.