| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1050 CROWN POINTE PKWY ATLANTA, GA 30338 | DELTA DENTAL | $59K | — | $59K | 3.66% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | DELTA DENTAL | $22K | — | $22K | 1.34% |
| BENEFIT EXCHANGE3 | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $105K | — | $105K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13K | $13K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 072103 CARMEL 2 PO BOX 4135 CLINTON, IN 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $54K | $91K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $27K | — | $27K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1050 CROWN POINTE PKWY ATLANTA, GA 30338 | DELTA DENTAL | $20K | — | $20K | 3.69% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | DELTA DENTAL | $7K | — | $7K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $15K | $42K | 9.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 3.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 072103 CARMEL 2 PO BOX 4135 CLINTON, IN 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $29K | $48K | 15.00% |
| BENEFIT EXCHANGE3 | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $15K | $31K | 11.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 3.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $127K | — | $127K | 67.64% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $929 | $929 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $18K | $27K | 26.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1050 CROWN POINTE PKWY ATLANTA, GA 30338 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 3.55% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | DELTA DENTAL INSURANCE COMPANY | $934 | — | $934 | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1050 CROWN POINTE PKWY ATLANTA, GA 30338 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 3.75% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | DELTA DENTAL INSURANCE COMPANY | $428 | — | $428 | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 072103 CARMEL 2 P.O. BOX 4135 CLINTON, IN 53733 | NATIONWIDE | $759 | — | $759 | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 072103 CARMEL 2 P.O. BOX 4135 CLINTON, IN 53733 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 15.03% |
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 | 4,776 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 2 carriers) | DELTA DENTAL | 5,142 | $2.2M |
| Vision(3 contracts) | EYEMED VISION CARE | 5,222 | $594K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,776 | $483K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,653 | $453K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,635 | $1.6M |
| Other(10 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,776 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,222 | — |
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."
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.