| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON GALLAGHER | 13175 E. 9TH ST FL 30 CLEVELAND, OH 44114 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 8.18% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITED HEALTHCARE INSURANCE COMPANY | $47K | $0 | $47K | 15.34% |
| ACRISURE LLC5 | 1375 E 9TH ST CLEVELAND, OH 44114 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 3.10% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 3.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $285K |
| BRITTON GALLAGHER EIN 26-3554645 BROKER | Other commissions Service code 55 | 1375 E. 9TH ST. FL 30 CLEVELAND, OH 441141797 | $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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $226K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $339K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $339K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 458 | $307K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 458 | $307K |
| Prescription drug | HUMANA INSURANCE COMPANY | 93 | $148K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 385 | $226K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 458 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.