| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $109K | $39K | $149K | 9.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 CENTERVILLE ROAD, SUITE 100E WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 CENTERVILLE ROAD, SUITE 100 EAST WARWICK, RI 02886 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 1.23% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $229 | $229 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 16.12% |
| STEVEN J. PHILLIPS3 | 10 RED COACH DRIVE COVENTRY, RI 02816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 10.58% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.15% |
| KEVIN MCCARTHY3 Filed as: KEVIN T. MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.45% |
| DAVID A. GAMACHE3 | 90 WATERWHEEL LANE NORTH KINSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $852 | $0 | $852 | 0.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS AND OTHER AGENTS | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $759 | $0 | $759 | 0.64% |
| VICTOR O. LARA3 | 421 CHESNUT STREET LYNN, MA 01902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $688 | $0 | $688 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 1,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 752 | $111K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,165 | $367K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,109 | $1.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,109 | $1.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,165 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.