| 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 | $0 | $5K | $5K | 0.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 92587 CHICAGO, IL 60694 | VISION SERVICE PLAN | $5K | $0 | $5K | 5.62% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT LLC | 45 NE LOOP 410, SUITE 690 SAN ANTONIO, TX 78216 | VISION SERVICE PLAN | $4K | $0 | $4K | 4.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYER DIRECT HEALTHCARE SURGERY EIN 45-3780484 MEDICAL | Claims processing Service code 12 | — | $172K |
| GSA NATIONAL EIN 45-2712335 TPA | Claims processing Service code 12 | — | $146K |
| AJ GALLAGHER EIN 36-4291971 BROKER | Insurance agents and brokers Service code 22 | — | $73K |
| BDO USA LLP EIN 13-5381590 AUDIT | Accounting (including auditing) Service code 10 | — | $43K |
| SPIRE EIN 84-2480441 BROKER | Insurance services Service code 23 | — | $24K |
| TRIA HEALTH EIN 27-1515235 TELEHEALTH | Other services Service code 49 | — | $23K |
| WILMINGTON TRUST EIN 16-1486454 TRUSTEE | Trustee (directed) Service code 25 | — | $6K |
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 | 1,359 | 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) | 1,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 942 | $87K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,359 | $770K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,359 | $770K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,359 | $770K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 1,359 | $1.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,359 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,359 | — |
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 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.