| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | 3131 E 67TH ST ANDERSON, IN 46064 | NORTH RIVER INSURANCE CO (CRUM & FORSTER) | — | $81K | $81K | 17.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 80008 | NORTH RIVER INSURANCE CO (CRUM & FORSTER) | — | $49K | $49K | 10.16% |
| PATOKA VALLEY HEALTH CARE COOP3 Filed as: PATOKA VALLEY | 1916 MEDICAL ARTS DR HUNTINGBURG, IN 47542 | NORTH RIVER INSURANCE CO (CRUM & FORSTER) | — | $34K | $34K | 7.21% |
| TELADOC3 | MANHATTANVILLE RD PURCHASE, NY 10577 | NORTH RIVER INSURANCE CO (CRUM & FORSTER) | — | $4K | $4K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICES PLAN | $1K | — | $1K | 4.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | ATTN MARK SHRACK 2850 GOLF ROAD ROLLING MEADOWS, IL 80008 | PARAMOUNT DENTAL | $9K | — | $9K | 100.00% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NORTH RIVER INSURANCE CO (CRUM & FORSTER) | 293 | $477K |
| Dental | PARAMOUNT DENTAL | 516 | $9K |
| Vision | VISION SERVICES PLAN | 234 | $33K |
| Prescription drug | NORTH RIVER INSURANCE CO (CRUM & FORSTER) | 293 | $477K |
| Stop-loss / reinsurancereinsurance | NORTH RIVER INSURANCE CO (CRUM & FORSTER) | 293 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.