| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE SAINT LOUIS, MO 63131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $3K | $21K | 12.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC-KC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF MISSOURI | $16K | $658 | $17K | 11.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MISSOURI | — | $63 | $63 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC - KC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 11.59% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER | 12444 POWERSCOURT DRIVE SAINT LOUIS, MO 63131 | FEDERAL INSURANCE COMPANY | $836 | — | $836 | 10.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 1.57% |
| JOHN LOVELACE, JR.3 | 2613 HAMPTON ROAD ST CHARLES, MO 63303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 1.27% |
| WORKING CLASS BENEFITS LLC3 | 9805 FOLEY DRIVE BELLEVILLE, IL 62223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $223K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 BROKER | Other commissions Service code 55 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | $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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 218 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 419 | $151K |
| Vision | ADVANTICA INSURANCE COMPANY | 229 | $12K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $236K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $174K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $174K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 241 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.
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.