| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC-ATL | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | MARSH JCS INC FKA SLIA INC 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $675 | — | $675 | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $515 | $515 | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1040 CROWN POINTE PKWY STE 700 ATLANTA, GA 30338 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 21 ROLLING MEADOWS, IL 600084050 | AMERITAS LIFE INSURANCE CORPORATION | — | $183 | $183 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS. - ATLANTA | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | MARSH JCS INC FKA SLIA INC 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $355 | — | $355 | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $244 | $244 | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD 8TH FLOOR ROLLING MEADOWS, IL 60008 | GREATER GEORGIA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 CLAIMS PROCESSING | Claims processing Service code 12 | 1040 CROWN POINTE PKWY STE 700 ATLANTA, GA 30338 | $17K |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 515 | $2.1M |
| Dental | AETNA LIFE INSURANCE CO. | 515 | $2.1M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 385 | $27K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 515 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 515 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 515 | $2.1M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 515 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.