| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | HEALTH OPTIONS | $68K | $0 | $68K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $7K | $88 | $7K | 10.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 220 EMERSON PLACE, SUITE 200 DAVENPORT, IA 52801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $704 | $704 | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $682 | $682 | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | $0 | $3K | 7.00% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CENTER SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.98% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 220 EMERSON PLACE, SUITE 200 DAVENPORT, IA 52801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $410 | $410 | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $203 | $203 | 0.98% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $803 | $0 | $803 | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $541 | $0 | $541 | 3.24% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $143 | $0 | $143 | 0.86% |
| SCOTT REYNOLDS3 Filed as: SCOTT W. REYNOLDS | 4000 SE 52ND STREET OCALA, FL 34480 | TRUSTMARK INSURANCE COMPANY | $35 | $0 | $35 | 0.21% |
| OLINA REYNOLDS3 | 4000 SE 52ND STREET OCALA, FL 34480 | TRUSTMARK INSURANCE COMPANY | $24 | $0 | $24 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 122 | $1.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 223 | $67K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 126 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $21K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 122 | $1.0M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.