| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 E. 4TH ST., STE. 625 CINCINNATI, OH 452024248 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 7.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 W. 4TH ST. CINCINNATI, OH 452023604 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 3.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $75 | $18K | 10.91% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST., FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 MATSONFORD RD. 4 RADNOR CORPORATE CTR., STE. 510 RADNOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD., FL 11RE ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD., FL 11RE ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $121K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Other commissions Service code 55 | — | $18K |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $169K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $169K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 225 | $79K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $427K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.