| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD., SUITE 200 DURHAM, NC 27703 | UNITED HEALTHCARE INSURANCE COMPANY | — | $46K | $46K | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD., SUITE 200 DURHAM, NC 27703 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 9.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD., SUITE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 11.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD., SUITE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 11.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD., SUITE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $841 | — | $841 | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD., SUITE 200 DURHAM, NC 27703 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 130 | $956K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $90K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 104 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $31K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $22K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 130 | $956K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.