| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| BSG GROUP ALLIANCE INC3 Filed as: BSG GROUP ALLIANCE, INC. | UNKNOWN LAS VEGAS, NV 89118 | TRIPLE S SALUD, INC. | $19K | — | $19K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $980 | — | $980 | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5455 WILSHIRE BOULEVARD LOS ANGELES, CA 90036 | FEDERAL INSURANCE COMPANY | $735 | — | $735 | 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 | 4,531 | 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) | 4,531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 84 | $383K |
| Dental | TRIPLE S SALUD, INC. | 84 | $383K |
| Vision | VISION SERVICE PLAN | 4,112 | $473K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,902 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,902 | $2.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,902 | $2.1M |
| Prescription drug | TRIPLE S SALUD, INC. | 84 | $383K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,902 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,902 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.