| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12750 MERIT DR STE 1000 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 729 DALLAS AVE SELMA, AL 36701 | AMERITAS LIFE INSURANCE CORPORATION | $12K | $0 | $12K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE NW HUNTSVILLE, AL 35806 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE SUITE 100 BUILDING I DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD FL 21 ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $571 | $571 | 0.74% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 325 | $77K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 325 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $143K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $143K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 307 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.