| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | COMMUNITY INSURANCE COMPANY | $6K | $3K | $9K | 6.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 20.00% |
| BRIAN BAUMAN4 | 3126 NORTH OSO PARKWAY CORPUS CHRISTI, TX 78414 | PRE-PAID LEGAL SERVICES, DBA LEGALSHIELD | $579 | $0 | $579 | 8.64% |
| JOHN N. BUFKIN4 | 1607 WRENWOOD WAY MOUNT JULIET, TN 37122 | PRE-PAID LEGAL SERVICES, DBA LEGALSHIELD | $572 | $0 | $572 | 8.54% |
| JAY GELFAND4 | 1601 ABACO DRIVE APARTMENT F2 COCONUT CREEK, FL 33066 | PRE-PAID LEGAL SERVICES, DBA LEGALSHIELD | $49 | $0 | $49 | 0.73% |
| SUCCESS PARTNERSHIP INC.4 | 7295 MEETING STREET CHARLOTTE, NC 28210 | PRE-PAID LEGAL SERVICES, DBA LEGALSHIELD | $28 | $0 | $28 | 0.42% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 376 | $131K |
| Vision | COMMUNITY INSURANCE COMPANY | 376 | $131K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $102K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.