| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $2K | $12K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8333 NW 53RD STREET SUITE 600 MIAMI, FL 33166 | UNITED HEALTHCARE INSURANCE COMPANY | $34 | -$1K | -$1K | -0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER RISK MANAGEMENT | SERVICES, INC. 8333 NW 53RD ST., #600 MIAMI, FL 33166 | FEDERAL INSURANCE COMPANY | $920 | $61 | $981 | 15.99% |
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 | 1,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,565 | $13.2M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,565 | $12.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,565 | $11.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,225 | $764K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,225 | $764K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,225 | $764K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,249 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,565 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.