| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $33K | — | $33K | 0.76% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $3K | — | $3K | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVE, FLOOR 3 NEW YORK, NY 101770506 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 1.25% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | COMPANION LIFE INSURANCE COMPANY | $230 | — | $230 | 0.16% |
| BRIO BENEFIT CONSULTING INC7 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 7.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $155 | $155 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVE, FLOOR 3 NEW YORK, NY 101770506 | MUTUAL OF OMAHA INSURANCE COMPANY | $94 | — | $94 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $231 | $231 | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVE, FLOOR 3 NEW YORK, NY 10177 | MUTUAL OF OMAHA INSURANCE COMPANY | $173 | — | $173 | 1.25% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $34 | — | $34 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $147K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $26K |
| PHCS EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $8K |
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 | 536 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 346 | $4.3M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 392 | $140K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 183 | $45K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 392 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.