| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $5K | — | $5K | 13.84% |
| HEFFERNAN INSURANCE BROKERS | 16100 SWINGLEY RIDGE RD STE 250 CHESTERFIELD, MO 63017 | ANTHEM LIFE INSURANCE COMPANY (G1400) | — | $614 | $614 | 1.67% |
| HAYS COMPANIES, INC. Filed as: HAYS GROUP INC | 80 S 8TH STE 700 MINNEAPOLIS, MN 55402 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $407 | — | $407 | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.55% |
| HAYS COMPANIES, INC. Filed as: HAYS GROUP INC | 80 S 8TH STE 700 MINNEAPOLIS, MN 55402 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $158 | — | $158 | 0.45% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 63 | $35K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 198 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.