| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 VIERA, FL 32940 | HEALTH FIRST HEALTH PLANS, INC. | $66K | — | $66K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 6769 NORTH WICKHAM ROAD SUITE 107 VIERA, FL 32940 | HEALTH FIRST HEALTH PLANS, INC | $15K | — | $15K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | UNITED OMAHA LIFE INSURANCE COMPANY | $19K | $11K | $30K | 16.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | UNITED OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $12K | 16.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | UNITED OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 15.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6769 NORTH WICKHAM ROAD SUITE B-107 MELBOURNE, FL 32940 | VISION SERVICE PLAN | $914 | — | $914 | 6.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | UNITED OMAHA LIFE INSURANCE COMPANY | $1K | $886 | $2K | 16.29% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH FIRST HEALTH PLANS, INC. | 122 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 82 | $87K |
| Vision | VISION SERVICE PLAN | 56 | $15K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 191 | $14K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 103 | $35K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 131 | $188K |
| Other(4 contracts) | UNITED OMAHA LIFE INSURANCE COMPANY | 191 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.