| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE CO OF AMERICA | $17K | — | $17K | 7.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 3475 PIEDMONT RD STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE CO OF AMERICA | $8K | $439 | $9K | 3.94% |
| CATERPILLAR INSURANCE SERVICES3 | PO BOX 340001 2120 WEST END AVE NASHVILLE, TN 37203 | UNUM LIFE INSURANCE CO OF AMERICA | $8K | — | $8K | 3.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITSACA, IL 60143 | UNUM LIFE INSURANCE CO OF AMERICA | — | $1K | $1K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE CO OF AMERICA | $15K | — | $15K | 7.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 3475 PIEDMONT RD STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE CO OF AMERICA | $7K | $386 | $8K | 3.88% |
| CATERPILLAR INSURANCE SERVICES3 | PO BOX 340001 2120 WEST END AVE NASHVILLE, TN 37203 | UNUM LIFE INSURANCE CO OF AMERICA | $7K | — | $7K | 3.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVCES INC. | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE CO OF AMERICA | — | $1K | $1K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE CO OF AMERICA | $14K | — | $14K | 7.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 3475 PIEDMONT RD STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE CO OF AMERICA | $7K | $349 | $7K | 3.90% |
| CATERPILLAR INSURANCE SERVICES3 | PO BOX 340001 2120 WEST END AVE NASHVILLE, TN 37203 | UNUM LIFE INSURANCE CO OF AMERICA | $7K | — | $7K | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE CO OF AMERICA | — | $1K | $1K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVS OF MICHIGAN | TWO PIERCE PLACE ITASCA, IL 60143 | VISION SERVICE PLAN | $2K | — | $2K | 2.18% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 2305 RIVER ROAD LOUISVILLE, KY 402061010 | VISION SERVICE PLAN | $548 | — | $548 | 0.62% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 861 | $88K |
| Life insurance | UNUM LIFE INSURANCE CO OF AMERICA | 580 | $219K |
| Short-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 625 | $196K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 671 | $176K |
| Other | UNUM LIFE INSURANCE CO OF AMERICA | 580 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.