| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $232K | $232K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $64 | $20K | 9.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD SUITE 400 KANSAS CITY, MO 64108 | UNION SECURITY INSURANCE COMPANY | $21K | $0 | $21K | 11.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 3.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD SUITE 400 KANSAS CITY, MO 64108 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.95% |
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 | 555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 799 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 778 | $205K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 648 | $39K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 357 | $189K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 357 | $189K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 357 | $189K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 799 | $4.4M |
| Other | UNION SECURITY INSURANCE COMPANY | 357 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.