| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.43% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP, LLP | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $802 | $5K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE BENEFIT GROUP EIN 74-2124394 CLAIMS PROCESSING | Claims processing Service code 12 | — | $448K |
| CORESOURCE, INC. EIN 35-1846036 CLAIMS PROCESSING, OTHER | Claims processing; Plan Administrator; Other services Service code 12 | — | $123K |
| BENEFIT CONSULTING GROUP EIN 45-4310319 CONSULTING, BROKER | Consulting (general); Insurance agents and brokers Service code 16 | — | $115K |
| INCENTA EIN 20-8468558 CONSULTING | Consulting (general) Service code 16 | — | $56K |
| BDO USA LLP EIN 13-5381590 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $26K |
| MULTIPLAN EIN 13-3068979 CLAIMS PROCESSING, OTHER | Plan Administrator; Claims processing; Other services Service code 12 | — | $15K |
| BBVA COMPASS EIN 63-0476286 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $13K |
| A J GALLAGHER EIN 36-4291971 INSURANCE AGENT, BROKER | Insurance agents and brokers Service code 22 | — | $13K |
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 | 640 | 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) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 939 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 640 | $426K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 640 | $426K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 640 | $426K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,884 | $748K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 640 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,884 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.