| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS3 Filed as: LUCENT HEALTH SOLUTIONS, LLC | 424 CHURCH ST., STE 2300 NASHVILLE, TN 37219 | IRONSHORE INDEMNITY A LIBERTY MUTUAL COMPANY | $0 | $134K | $134K | 40.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 13.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 111 VETERANS BLVD 1130 METAIRE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46K | — | $46K | 100.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $515 | $7K | 16.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $618 | $4K | 14.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PKWY STE 300 RIDGELAND, MS 39157 | DELTA DENTAL INSURANCE CO. | $21K | — | $21K | 100.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER MISSISSIPPI BROKERAGE LLC | 1106 CHENEL COURT MADISON, MS 39110 | BLUE CROSS BLUE SHEILD | — | — | $0 | — |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD | 0 | $0 |
| Dental | DELTA DENTAL INSURANCE CO. | 719 | $21K |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $25K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $190K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY A LIBERTY MUTUAL COMPANY | 339 | $331K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.