| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD SUITE 400 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $15K | $15K | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD SUITE 400 KANSAS CITY, MO 64108 | DELTA DENTAL INSURANCE COMPANY | $27K | — | $27K | 5.85% |
| MCPHERSON BENEFITS GROUP, LLC3 | P O BOX 2722 MADISON, MS 39130 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 0.60% |
| MCPHERSON BENEFITS GROUP, LLC3 | P O BOX 2722 MADISON, MS 39130 | NATIONAL GUARDIAN LIFE | $7K | — | $7K | 9.39% |
| GREENWOOD INTERNATIONAL INSURANCE3 | 333 SOUTH STREET SUITE 400 SHREWSBURY, MA 01545 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.00% |
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 | 901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,602 | $465K |
| Vision | NATIONAL GUARDIAN LIFE | 490 | $76K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,082 | $598K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,082 | $598K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,082 | $598K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,082 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,602 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.