| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BLVD, SUITE 500 WEST BLOOMINGTON, MN 55431 | HIGHMARK | $33K | — | $33K | 1.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BLVD, SUITE 500 WEST BLOOMINGTON, MN 55431 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | $3K | $15K | 7.99% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | AMERICAN UNITED LIFE INSURANCE COMPANY | $751 | — | $751 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAHER & CO., INC. | 2 PIERCE PLACE ITASCA, IL 60143 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 9.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | FSL | $648 | — | $648 | 4.57% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 227 | $2.0M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 231 | $69K |
| Vision | FSL | 272 | $14K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $183K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $183K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $183K |
| Prescription drug | HIGHMARK | 227 | $2.0M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
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.