| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES NJ | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, ME 20855 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $529 | $4K | 17.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $807 | $3K | 13.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $652 | $721 | $1K | 6.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $643 | $3K | 13.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | AMERITAS LIFE INSURANCE CORPORATION | $829 | — | $829 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE HILL OFFICE PARK SUITE 310 BRAINTREE, MA 021848724 | AMERITAS LIFE INSURANCE CORPORATION | $195 | — | $195 | 1.18% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $1.1M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 94 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $1.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.