| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $102K | $9K | $110K | 3.10% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68K | — | $68K | 38.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: UT GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37K | — | $37K | 20.70% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | — | COMBINED INSURANCE | $32K | — | $32K | 31.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | COMBINED INSURANCE | $17K | — | $17K | 16.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $10K | $13K | 18.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 072103 CARMEL 2 PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.89% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE CO. LLC | — | COMBINED INSURANCE | $22K | — | $22K | 50.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE IN | — | COMBINED INSURANCE | $12K | — | $12K | 27.37% |
| BRIAN E. JUND3 Filed as: BRIAN E JUND | — | COMBINED INSURANCE | $2K | — | $2K | 3.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 072103 CARMEL 2 PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $3K | $4K | 18.10% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 540 | $3.6M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $86K |
| Vision | VISION BENEFITS OF AMERICA | 303 | $25K |
| Life insurance(2 contracts, 2 carriers) | COMBINED INSURANCE | 702 | $125K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 519 | $176K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 700 | $73K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 702 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.