| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO | DBA GALLAGHER BENEFIT SERVICES 2 PIERCE PL ITASCA, IL 60143 | SYMETRA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W 4TH ST , STE 1300 CINCINNATI, OH 452023612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 9.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 W 4TH ST, STE 1300 CINCINNATI, OH 452023612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 W 4TH ST, STE 1300 CINCINNATI, OH 452023612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 NONE | Claims processing Service code 12 | — | $278K |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $91K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 533 | $349K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.