| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $96K | $96K | 4.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $5K | $33K | 10.64% |
| RICHARD DEFALCO3 | 4704 CRYSTAL LAKE ROAD NORMAN, OK 73072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 27.28% |
| BRIAN K EVERETT3 Filed as: BRIAN KEITH EVERETT | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $914 | $0 | $914 | 3.60% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 5401 ROGERS AVENUE FORT SMITH, AR 72903 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $579 | $0 | $579 | 12.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $289 | $0 | $289 | 5.99% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $2.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $306K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $306K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $306K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $306K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $306K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $2.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.