| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 90 S CASCADE AVE 2ND FLOOR COLORADO SPRINGS, CO 80903 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $2K | $2K | 0.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 0.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $22K | $891 | $23K | 8.81% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES,LLC | COMMISSION REVENUE 39340 TREASURY CENTER CHICAGO, IL 606949300 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $4K | — | $4K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES INC USA | PO BOX 203318 DALLAS, TX 75320 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $1K | $1K | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA, INC. | 64 MONROE AVENUE NW SUITE 300 GRAND RAPIDS, MI 495031453 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $867 | $867 | 0.33% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES INC | P.O. BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $297 | $297 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 39030 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $79 | $79 | 0.03% |
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 | 8,916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,736 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 1,905 | $9.1M |
| Vision | VISION SERVICE PLAN | 10,551 | $837K |
| Life insurance | AMERICAN FAMILY LIFE INSURANCE COMPANY | 11,123 | $4.9M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,872 | $3.2M |
| Prescription drug(3 contracts, 3 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 4,440 | $23.4M |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | 1,296 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,123 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.