| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | SUITE 800 3475 PIEDMONT ROAD ATLANTA, GA 30305 | PRUDENTIAL INSURANCE CO OF AMERICA | $155K | $0 | $155K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE CO OF AMERICA | $0 | $319 | $319 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | VISION SERVICE PLAN | $10K | $0 | $10K | 8.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 10.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $773 | $0 | $773 | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $88 | $88 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P.O. BOX 201503 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $147 | $5K | 10.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 64 MONROE AVENUE NORTHWEST SUITE 300 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $474 | $474 | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P.O. BOX 203318 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $227 | $227 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.13% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 999 3RD AVENUE SUITE 4100 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $104K | $57 | $104K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20K | $20K | — |
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 | 1,021 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 950 | $68K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,021 | $68K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 953 | $192K |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 938 | $1.0M |
| Short-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 938 | $1.0M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 938 | $1.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 950 | $68K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE CO OF AMERICA | 1,397 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,397 | — |
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.