| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 580 NORTH 4TH STREET COLUMBUS, OH 43215 | UNITED OF OMAHA | $15K | $3K | $18K | 12.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 580 NORTH 4TH STREET COLUMBUS, OH 43215 | UNITED OF OMAHA | $10K | $2K | $12K | 12.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 580 NORTH 4TH STREET COLUMBUS, OH 43215 | UNITED OF OMAHA | $4K | $970 | $5K | 12.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARRGO INSURANCE | POST OFFICE BOX 203373 DALLAS, TX 75320 | EYEMED | $984 | — | $984 | 7.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 580 NORTH 4TH STREET COLUMBUS, OH 43215 | UNITED OF OMAHA | $2K | $574 | $3K | 24.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $138K |
| WELLS FARGO EIN 56-1882208 BROKER | Other commissions Service code 55 | — | $0 |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 727 | $13K |
| Life insurance | UNITED OF OMAHA | 492 | $12K |
| Short-term disability | UNITED OF OMAHA | 343 | $146K |
| Long-term disability | UNITED OF OMAHA | 320 | $41K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 482 | $83K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA | 510 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.