| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2345 GRAND BLVD STE 400 KANSAS CITY, MO 641082625 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | — | $37K | 3.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA, | 225 WATER ST. 3RD FLOOR JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2345 GRAND BLVD STE 800 KANSAS CITY, MO 641082641 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 12.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD STE 400 KANSAS CITY, MO 641082625 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLD RD FL 21 ROLLING MEADOW, IL 600084050 | AMERITAS LIFE INSURANCE CORP. | — | $476 | $476 | 0.98% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 121 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 66 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $81K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $81K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 121 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.