| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD, STE 400 LISLE, IL 60532 | NATIONAL UNION FIRE INSURANCE COMPANY | $81K | $21K | $102K | 16.36% |
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS INC | 200 W ADAMS STREET, SUITE 500 CHICAGO, IL 60606 | NATIONAL UNION FIRE INSURANCE COMPANY | — | $74K | $74K | 11.88% |
| PHCS0 | 115 FIFTH AVENUE NEW YORK, NY 10003 | NATIONAL UNION FIRE INSURANCE COMPANY | — | $12K | $12K | 1.89% |
| AMERICAN HEALTH HOLDING0 | 7400 W CAMPUS RD, F-510 NEW ALBANY, OH 43054 | NATIONAL UNION FIRE INSURANCE COMPANY | — | $12K | $12K | 1.85% |
| CVS PHARMACY, INC.0 Filed as: CVS PHARMACY | PO BOX 6590 LEES SUMMIT, MO 640646590 | NATIONAL UNION FIRE INSURANCE COMPANY | — | $2K | $2K | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICE | 750 WARRENVILLE RD, STE 400 LISLE, IL 60532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $185 | — | $185 | 10.03% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY | 253 | $625K |
| Dental | NATIONAL UNION FIRE INSURANCE COMPANY | 253 | $623K |
| Vision | NATIONAL UNION FIRE INSURANCE COMPANY | 253 | $623K |
| Prescription drug | NATIONAL UNION FIRE INSURANCE COMPANY | 253 | $623K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY | 253 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.