| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 7.56% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES | 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 7.02% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 7925 SOUTH FULTON AVENUE TULSA, OK 74136 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 2.05% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENNINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 1.91% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 5.91% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 6151 LAKE OSPREY DRIVE, 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.82% |
| CORPORATE BENEFIT ADVISORS3 Filed as: CORPORATE BENEFIT ADVISORS, LLC | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.17% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 873 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 873 | $4.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 873 | $4.2M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 873 | $4.3M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 873 | $4.2M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 873 | $4.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 873 | $4.2M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 873 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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 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.