| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | BLUE CROSS BLUE SHIELD OF FLORIDA | $66K | — | $66K | 4.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC DBA HAYS COMPANIES | PO BOX 1414 MINNEAPOLIS, MN 55480 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 5.10% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP | PO BOX 1414 MINNEAPOLIS, MN 55480 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1000 EAST WARRENVILLE ROAD #230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $176 | — | $176 | 9.58% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | NCB88 PO BOX 1414 MINNEAPOLIS, MN 55480 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $100 | — | $100 | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1000 EAST WARRENVILLE ROAD #230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | — | $33 | 13.15% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | NCB88 PO BOX 1414 MINNEAPOLIS, MN 55480 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1000 EAST WARRENVILLE ROAD #230 NAPERVILLE, IL 60563 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 9.30% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | NCB88 PO BOX 1414 MINNEAPOLIS, MN 55480 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 5.81% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 186 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 211 | $106K |
| Vision | VISION SERVICE PLAN | 191 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $12K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $14K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $11K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 186 | $1.7M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
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.