| 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 | — | $13K | 17.11% |
| 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 | 3.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 19.64% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: BLUE ORANGE SOLUTIONS LLC | 2435 N. CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH ROAD LITTLE ROCK, AR 72223 | VSP | $3K | — | $3K | 9.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $18K | $2K | $20K | 92.75% |
| 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 | 4.66% |
| 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 | — | $1K | 21.57% |
| THE BLUE ORANGE SOLUTIONS, LLC3 Filed as: BLUE ORANGE SOLUTIONS LLC | 2435 N. CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | STANDARD INSURANCE COMPANY | $0 | $203 | $203 | 3.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMIN OF ARKANSAS EIN 71-0226428 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $158K |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Plan Administrator; Claims processing Service code 12 | — | $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 | 312 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD | 435 | $114K |
| Vision | VSP | 211 | $32K |
| Life insurance | STANDARD INSURANCE COMPANY | 312 | $61K |
| Short-term disability | STANDARD INSURANCE COMPANY | 62 | $78K |
| Long-term disability | STANDARD INSURANCE COMPANY | 14 | $5K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 119 | $41K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.