| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $7K | $17K | 4.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $322 | $0 | $322 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN MANHATTAN BEACH, CA 90266 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN MANHATTAN BEACH, CA 90266 | DELTA DENTAL OF CALIFORNIA | $3K | $0 | $3K | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN MANHATTAN BEACH, CA 90266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $675 | $0 | $675 | 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 | 1,606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 84 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $280K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $291K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,558 | $435K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,606 | $392K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,606 | $385K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $280K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,606 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,606 | — |
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."
No prospect flags tripped on this filing.