| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5401 ROGERS AVE SUITE 202 FORT SMITH, AR 72903 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC. | 2 PIERCE PLACE, FL 14 ITASCA, IL 601431203 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $8K | $40K | 11.60% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT ST. FL. 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 4.75% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 396 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $343K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $343K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $343K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $343K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $343K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.