| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $95K | $159K | $254K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $122K | $122K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $186K | $16K | $202K | 18.37% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY INC. | PO BOX 55268 LEXINGTON, KY 40555 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | $0 | $7K | 2.50% |
| ENERGY INSURANCE AGENCY INC4 Filed as: ENERGY INSURANCE AGENCY | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23K | $0 | $23K | 19.41% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $446 | $0 | $446 | 0.37% |
| RICKEY GOOCH4 | PO BOX 1563 HENDERSONVILLE, TN 37077 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $45 | $0 | $45 | 0.04% |
| CHARLES G. MOSS4 | 20770 US HIGHWAY 281 NORTH SUITE 108-238 SAN ANTONIO, TX 78258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $36 | $0 | $36 | 0.03% |
| MURPHY AND ASSOCIATES, LLC4 Filed as: MURPHY AND ASSOCIATES | 285 LENNOX LOOP RAEFORD, NC 28376 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.02% |
| SCHLEIBAUM AND ASSOCIATES3 | 9035 WADSWORTH, SUITE 3850 WESTMINSTER, CO 80021 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | $0 | $2K | 4.63% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 774.28% |
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 | 1,103 | 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) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,593 | $11.2M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,593 | $10.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,593 | $10.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,891 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,891 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,891 | $1.1M |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,593 | $11.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,891 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,891 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.