| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $13K | $5K | $18K | 20.74% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: BLUE ORANGE SOLUTIONS LLC | 2435 N. CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $11K | $4K | $15K | 22.90% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: BLUE ORANGE SOLUTIONS LLC | 2435 N CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 4.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | VSP | $4K | — | $4K | 9.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $7K | $2K | $10K | 27.38% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: BLUE ORANGE SOLUTIONS LLC | 2435 N. CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | MEDICAL AIR SERVICE ASSOCIATION, INC. | $4K | — | $4K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $1K | $438 | $2K | 17.93% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: BLUE ORANGE SOLUTIONS LLC | 2435 N. CENRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | STANDARD INSURANCE COMPANY | $0 | $335 | $335 | 3.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMIN OF ARKANSAS EIN 71-0226428 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $132K |
| HEALTH ADVOCATE SOLUTIONS, INC EIN 23-3080019 NONE | Claims processing; Plan Administrator Service code 12 | 721 ARBOR WAY BLUE BELL, PA 19422 | $4K |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD | 435 | $118K |
| Vision | VSP | 226 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 308 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 69 | $89K |
| Long-term disability | STANDARD INSURANCE COMPANY | 30 | $9K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 188 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.