| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES3 | — | MUTUAL HEALTH SERVICES | — | $369K | $369K | 38.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | MUTUAL HEALTH SERVICES | $100K | — | $100K | 10.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $2K | $20K | 8.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $2K | $26K | 15.93% |
| VISION SERVICE PLAN3 | — | VISION SERVICE PLAN | — | $34K | $34K | 21.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DR SUITE 350 CARMEL, IN 46032 | VISION SERVICE PLAN | $6K | — | $6K | 3.66% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 6.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.80% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $805 | $9K | 10.94% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $144 | $2K | 16.20% |
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 | 972 | 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) | 972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MUTUAL HEALTH SERVICES | 972 | $965K |
| Dental(2 contracts, 2 carriers) | MUTUAL HEALTH SERVICES | 972 | $965K |
| Vision | VISION SERVICE PLAN | 949 | $160K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK VOLUNTARY BENEFIT SOLUTIONS | 1,003 | $371K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 739 | $230K |
| Stop-loss / reinsurancereinsurance | MUTUAL HEALTH SERVICES | 972 | $965K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,402 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,402 | — |
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."
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.