| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.27% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | UNKNOWN COLUMBIA, SC 29201 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $7K | $7K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.26% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 8.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 2.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $3K | $444 | $3K | 8.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 7.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $449 | $449 | 1.29% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 185 | $75K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 185 | $75K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $53K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $90K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $90K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 249 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.