| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 21ST FL ARLIGHTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.83% |
| HERITAGE BENEFITS LLC3 Filed as: HERITAGE FINANCIAL CONSULTANTS LLC | 307 INTERNATIONAL CIR STE 390 HUNT VALLEY, MD 21020 | UNITEDHEALTHCARE INSURANCE COMPANY | $111 | — | $111 | 0.11% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNITEDHEALTHCARE INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS INC. | 801 LAKEVIEW DR STE 301 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIAM SPOTTS3 Filed as: WILLIAM F SPOTTS | 307 INTERNATIONAL CIR STE 390 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $960 | — | $960 | 6.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $790 | — | $790 | 6.42% |
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 | 1,240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIAN'S SERVICE | 332 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,118 | $60K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 961 | $99K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,256 | $255K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,256 | $157K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,256 | $124K |
| Prescription drug | CALIFORNIA PHYSICIAN'S SERVICE | 332 | $2.1M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,256 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,256 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.