| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK HARADEN3 | 141 PINE STREET NORWELL, MA 02061 | PRIORITY HEALTH | $32K | $0 | $32K | 1.33% |
| HEATHER GARDERE3 | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | PRIORITY HEALTH | $16K | $0 | $16K | 0.67% |
| PATRICK HARADEN3 | 141 PINE STREET NORWELL, MA 02061 | PRIORITY HEALTH INSURANCE COMPANY | $16K | $0 | $16K | 1.34% |
| HEATHER GARDERE3 | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | PRIORITY HEALTH INSURANCE COMPANY | $8K | $0 | $8K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 476 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $8K | $42K | 9.76% |
| ANITA VERHEUL3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 2.39% |
| HEATHER GARDERE3 Filed as: HEATHER D. GARDERE | 8182 MARYLAND AVENUE, SUITE 250 ST LOUIS, MO 63105 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 ST LOUIS, MO 63105 | VISION SERVICE PLAN | $930 | $0 | $930 | 2.09% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 331 | $3.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 490 | $237K |
| Vision | VISION SERVICE PLAN | 178 | $45K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 507 | $429K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 507 | $429K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 331 | $3.6M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 507 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.