| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 204 CEDAR STREET CAMBRIDGE, MD 21613 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 8.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY, SUITE 350 ROCKVILLE, MD 20855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.71% |
| JAY E. BLACK3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $580 | $580 | 0.55% |
| MRHEIN BENEFITS CONSULTING, LLC3 | 446 COUNTRY CLUB DRIVE LANSDALE, PA 19446 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $163 | $0 | $163 | 0.15% |
| MWE SOLUTIONS MS3 | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | $0 | $13 | 0.01% |
| JAY E. BLACK3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 6.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY, SUITE 350 ROCKVILLE, IL 20855 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.09% |
| MRHEIN BENEFITS CONSULTING, LLC3 | 446 COUNTRY CLUB DRIVE LANSDALE, PA 19446 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $465 | $0 | $465 | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $403 | $403 | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 204 CEDAR STREET CAMBRIDGE, MD 21613 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $242 | $0 | $242 | 0.38% |
| MJ INSURANCE3 Filed as: ANN MARIE BENT AND VARIOUS AGENTS | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $237 | $0 | $237 | 0.37% |
| MWE SOLUTIONS MS3 | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NGL | $1K | $0 | $1K | 10.00% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NGL | 173 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $170K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 200 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $106K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.