| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | HIGHMARK | $37K | — | $37K | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 330 MADISON AVENUE, 7TH FLOOR NEW YORK, NY 10017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 150 EAST 42ND STREET, 16TH FLOOR NEW YORK, NY 10017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 3.75% |
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 | 427 | 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) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 985 | $6.5M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 756 | $172K |
| Vision | HIGHMARK | 985 | $6.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $250K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $250K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $250K |
| Prescription drug | HIGHMARK | 985 | $6.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.
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.