| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2975 REGENT BOULEVARD IRVING, TX 75063 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5600 BLAZER PARKWAY, SUITE 300 DUBLIN, OH 43017 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.88% |
| BARBARA A. RHYMER3 | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $423 | — | $423 | 1.65% |
| PFISTER FINANCIAL SERVICES3 | 400 WEST WILSON BRIDGE ROAD SUITE 260 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203373 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| JJZ INSURANCE AGENCY3 | 6213 CHARLOTTE PIKE, SUITE 200 NASHVILLE, TN 37209 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203373 DALLAS, TX 75320 | EYEMED VISION CARE | $494 | — | $494 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2975 REGENT BOULEVARD IRVING, TX 75063 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $50 | — | $50 | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2975 REGENT BOULEVARD IRVING, TX 75063 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $50 | — | $50 | 3.49% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 61 | $101K |
| Vision | EYEMED VISION CARE | 67 | $5K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $33K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 31 | $46K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 61 | $101K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.