| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1550 AVIATION PKWY STE 300 MORRISVILLE, NC 275606564 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $107 | $17K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 85287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 | SENN DUNN 3625 N ELM ST STE 200 GREENSBORO, NC 274552604 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $847 | $847 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 10.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | DBA WORKSITE COMMUNICATIONS 2255 GLADES RD STE 240W BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SEVICES | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | TRUSTMARK INSURANCE COMPANY | $795 | $0 | $795 | 9.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $373 | $0 | $373 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | METLIFE LEGAL PLANS | $219 | $12 | $231 | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | $153 | $0 | $153 | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 E 4TH STREET SUITE 625 CINCINNATI, OH 45202 | METLIFE LEGAL PLANS | $121 | $0 | $121 | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | DEPT. CH 14061 PALATINE, IL 600554061 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5420 LYNDON B JOHNSON FWY STE 400 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $17 | $17 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $0 | $11 | $11 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | $0 | $8 | $8 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 N BRAND BLVD SUITE 100 GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $6 | $6 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | $0 | $110 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | TRUSTMARK INSURANCE COMPANY | $38 | $0 | $38 | 9.95% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $342K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $342K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $371K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $342K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $342K |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.