| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1395 PANTHER LANE, SUITE 100 NAPLES, FL 34109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 10.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1395 PANTHER LANE, SUITE 100 NAPLES, FL 34109 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1395 PANTHER LANE, SUITE 100 NAPLES, FL 34109 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $304 | $304 | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES ,INC. DBA LEGALSHIELD | $2K | $0 | $2K | 36.31% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 124 | $77K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 124 | $77K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $117K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $117K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.