| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 2.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $514 | $514 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $54 | $6K | 15.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $377 | $2K | 5.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $441 | $441 | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4200 CORPORATE DRIVE, SUITE 160 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.73% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $327 | $0 | $327 | 9.97% |
| PATRICK LILLIS4 | PO BOX 1102 BELLEVUE, NE 68005 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $111 | $0 | $111 | 3.39% |
| MJMX2, LLC4 | PO BOX 621 BELLEVUE, NE 68005 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $68 | $0 | $68 | 2.07% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $38K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $38K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $38K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.