| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | HUMANA MEDICAL PLAN, INC. | $26K | $999 | $27K | 1.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1451 CYPRESS CREEK ROAD, SUITE 300 FORT LAUDERDALE, FL 33309 | HUMANA MEDICAL PLAN, INC. | $4K | $0 | $4K | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 4.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $111 | $3K | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $394 | $394 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 3.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1451 CYPRESS CREEK ROAD, SUITE 300 FORT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $566 | $0 | $566 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | COMPBENEFITS COMPANY | $505 | $0 | $505 | 3.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1451 CYPRESS CREEK ROAD, SUITE 300 FORT LAUDERDALE, FL 33309 | COMPBENEFITS COMPANY | $18 | $0 | $18 | 0.13% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 228 | $1.6M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 237 | $102K |
| Vision | HUMANA INSURANCE COMPANY | 237 | $89K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $137K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 228 | $1.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.