| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | $47K | $15K | $62K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $74K | $9K | $83K | 13.17% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE, UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $133 | $2K | 23.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $618 | — | $618 | 9.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $57 | $57 | 0.84% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STATEGIC GROUP OF TX | 101 SUMMIT AVENUE, SUITE 101 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 0.81% |
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 | 739 | 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) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,099 | $4.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,099 | $4.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,099 | $4.6M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 739 | $634K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 739 | $634K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 739 | $634K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,099 | $4.6M |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 739 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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.
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.