| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTRE BLVD STE 100 ROCHESTER, NY 14618 | SUN LIFE AND HEALTH INSURANCE COMPANY | $18K | — | $18K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 5.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTER STE 100 ROCHESTER, NY 14618 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $271 | $5K | 3.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTER STE. 100 ROCHESTER, NY 14618 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 5.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP HEALTH CARE EIN 14-1640868 TPA | Claims processing; Contract Administrator Service code 12 | — | $272K |
| GALLAGHER BENEFIT SERVICES CONSULTANT | Consulting (general) Service code 16 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | $120K |
| GALLAGHER BENEFIT SERVICES INC CONSULTANT | Consulting (general) Service code 16 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | $28K |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 267 | $190K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 481 | $140K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 485 | $93K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 431 | $1.2M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 481 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.