| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GROUP ALERA GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | — | $49K | 7.53% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $200 | $7K | $8K | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $303 | $6K | 0.92% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GROUP, AN ALERA | GROUP AGENCY LLC 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $5K | — | $5K | 3.31% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | VISION SERVICE PLAN | $1K | — | $1K | 0.84% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $707 | — | $707 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $671 | — | $671 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | — | $34K | 25.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, AN | ALERA GROUP AGENCY, LLC 16220 N SCOTTSDALE RD, STE 100 SCOTTSDALE, AZ 85254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | — | $29K | 21.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVS INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 15.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.19% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GROUP AN ALERA | GROUP AGENCY LLC 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | DELTA DENTAL INSURANCE COMPANY | $36K | — | $36K | — |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HELATHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $399K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 BROKER | Other commissions Service code 55 | — | $55K |
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 | 1,208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,849 | $0 |
| Vision | VISION SERVICE PLAN | 915 | $155K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,206 | $646K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,206 | $670K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,206 | $646K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,022 | $2.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,206 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,022 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.