| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MATTHEW THORNTON HEALTH PLAN, INC. | $105K | $0 | $105K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 16.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 18.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RED TREE INSURANCE COMPANY, INC. | $3K | $0 | $3K | 9.93% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $492 | $0 | $492 | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37207 | BANKERS FIDELITY INSURANCE COMPANY | $5K | $0 | $5K | 17.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 14.42% |
| JAIME HUTTON3 Filed as: JAIME M. HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $1K | $21 | $1K | 10.03% |
| CHRISTINA J BEEKE3 Filed as: CHRISTINA J. BEEKE | 41 FLORAL AVENUE WESTFIELD, MA 01085 | AFLAC | $111 | $27 | $138 | 1.26% |
| ANASTASIA MODLIN3 Filed as: ANASTASIA E MODLIN AND OTHER AGENTS | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $70 | $6 | $76 | 0.70% |
| PASCHE JADE SIMMONS3 | 2966 CLAYLICK ROAD WHITES CREEK, TN 37189 | AFLAC | $65 | $0 | $65 | 0.59% |
| CHRISTOPHER E ROTH3 Filed as: CHRISTOPHER E. ROTH | 482 SOUTHBRIDGE STREET, SUITE 9 AUBURN, MA 01501 | AFLAC | $34 | $6 | $40 | 0.37% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 307 SOUTHGATE COURT, SUITE 130 BRENTWOOD, TN 37027 | AFLAC | $28 | $0 | $28 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE BRENTWOOD, TN 37207 | ARAG SERVICES, LLC | $857 | $0 | $857 | 10.00% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 626 | $4.4M |
| Vision(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 626 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 379 | $141K |
| Short-term disability | AFLAC | 12 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 379 | $113K |
| Prescription drug(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 626 | $4.4M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 379 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.
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.