| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 5.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $664 | $664 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $238 | $238 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.00% |
| THE LOOMIS COMPANY5 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATION CIRCLE SUITE 3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4498 WEST US HIGHWAY 90 LAKE CITY, FL 32055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 14.67% |
| VELOCITY BENEFITS3 | 119 NORTHBROOKE TRCE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $840 | $0 | $840 | 4.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | $0 | $296 | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 60 | $497K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 60 | $464K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 60 | $464K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 103 | $18K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 20 | $10K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 60 | $464K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 103 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
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.