| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $122K | $0 | $122K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $149K | $23K | $171K | 13.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS MEMORIAL BOULEVARD SUITE 1130 METAIRIE, LA 70005 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 8.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $99 | $99 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $87 | $87 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B. JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $29 | $29 | 0.17% |
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 | 1,334 | 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) | 1,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 637 | $8.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,334 | $1.3M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,334 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,334 | $1.3M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,334 | $1.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,334 | $1.3M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 637 | $8.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,334 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.