| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD STE 100 BLOOMFIELD HILLS, MI 48302 | ONE AMERICA | $98K | — | $98K | 15.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | — | $75K | 33.40% |
| GALLAGHER BENEFIT SERVICES, INC.1 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S TELEGRAPH ROAD STE 100 BLOOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATORS, L.L.C | $5K | — | $5K | 40.12% |
| NATIONAL VISION ADMINISTRATORS, L.L5 Filed as: NATIONAL VISION ADMINISTRATORS, LLC | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | NATIONAL VISION ADMINISTRATORS, LLC. | — | $843 | $843 | 17.30% |
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(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS, L.L.C | 2,170 | $18K |
| Life insurance(2 contracts, 2 carriers) | ONE AMERICA | 1,820 | $844K |
| Short-term disability(2 contracts, 2 carriers) | ONE AMERICA | 1,820 | $844K |
| Long-term disability | ONE AMERICA | 1,820 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,170 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.