| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 PARK WEST CIRCLE, SUITE 306L MIDLOTHIAN, VA 23114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $101K | $0 | $101K | 8.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE COMMERCE SQUARE 2005 MARKET STREET, SUITE 1100 PHILADELPHIA, PA 19103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $42K | $0 | $42K | 3.43% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $432 | $432 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8800 EAST RAINTREE DRIVE, SUITE 250 SCOTTSDALE, AZ 85260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71K | $16K | $87K | 17.17% |
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 | 1,909 | 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) | 1,909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALVO'S SELECTCARE INSURANCE, INC. | 30 | $552K |
| Dental(2 contracts, 2 carriers) | CALVO'S SELECTCARE INSURANCE, INC. | 30 | $552K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,767 | $507K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,909 | $1.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,909 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | CALVO'S SELECTCARE INSURANCE, INC. | 30 | $552K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,909 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,909 | — |
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.