| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 21ST FLOOR PIERCE PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244K | — | $244K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF ROAD 11 FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $20K | $20K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DRIVE, STE. 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $64K | — | $64K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFIT SERVICES | 21ST FL2 PIERCE PLACE ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $86K | — | $86K | 29.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W. GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $6K | $6K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21ST FL 2 PIERCE PLACE ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $66K | — | $66K | 29.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $5K | $5K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $10K | — | $10K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 8 CADILLAC DRIVE BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 13.99% |
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 | 3,667 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 3,987 | $1.1M |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 6,678 | $198K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,643 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,643 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,643 | $1.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,643 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,678 | — |
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.