| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $30K | $462 | $31K | 10.10% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $19K | — | $19K | 6.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1550 AVIATION PKWY STE 300 MORRISVILLE, NC 27560 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.18% |
| MS BENEFITS3 | 100 CHALLENGER ROAD RIDGEFIELD PARK, NJ 07660 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1550 AVIATION PKWY STE 300 MORRISVILLE, NC 27703 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $180 | $180 | 0.48% |
| MS BENEFITS3 | 100 CHALLENGER ROAD RIDGEFIELD PARK, NJ 07660 | UNUM INSURANCE COMPANY | $3K | — | $3K | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1550 AVIATION PKWY STE 300 MORRISVILLE, NC 27703 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $148 | $148 | 0.50% |
| MS BENEFITS3 | 100 CHALLENGER ROAD RIDGEFIELD PARK, NJ 07660 | UNUM INSURANCE COMPANY | $1K | — | $1K | 7.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1550 AVIATION PKWY STE 300 MORRISVILLE, NC 27703 | UNUM INSURANCE COMPANY | $541 | — | $541 | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $84 | $84 | 0.49% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $270K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $45K |
| Life insurance | USABLE LIFE | 592 | $302K |
| Short-term disability | USABLE LIFE | 592 | $302K |
| Long-term disability | USABLE LIFE | 592 | $302K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 592 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.