| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 12444 POWERSCOURT DRIVE SUITE 500 ST LOUIS, MO 63131 | COVENTRY HEALTH AND LIFE | $113K | $35K | $149K | 8.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 110 PONCE DE LEON STREET ROYAL PALM BEACH, FL 33411 | COVENTRY HEALTH AND LIFE | $20K | — | $20K | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | COVENTRY HEALTH AND LIFE | $19K | — | $19K | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2081 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | COVENTRY HEALTH AND LIFE | $6K | — | $6K | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 12444 POWERSCOURT DRIVE SUITE 250 CHESTERFIELD, MO 63131 | UNION SECURITY INSURANCE COMPANY | $40K | $30K | $71K | 16.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1350 ELDRIDGE PAYNE ROAD SUITE 250 CHESTERFIELD, MO 63017 | UNION SECURITY INSURANCE COMPANY | $4K | $2K | $5K | 23.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 1350 ELDRIDGE PAYNE ROAD SUITE 250 CHESTERFIELD, MO 63017 | UNION SECURITY INSURANCE COMPANY | $1K | $1K | $2K | 13.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1350 ELDRIDGE PAYNE ROAD SUITE 250 CHESTERFIELD, MO 63017 | UNION SECURITY INSURANCE COMPANY | $440 | $185 | $625 | 23.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $12K | — | $12K | — |
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 | 520 | 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) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH AND LIFE | 525 | $1.8M |
| Dental | UNION SECURITY INSURANCE COMPANY | 467 | $415K |
| Vision | UNION SECURITY INSURANCE COMPANY | 467 | $415K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 467 | $415K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 467 | $415K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 467 | $415K |
| Other(5 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 467 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.