| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEANDOWS, IL 60008 | GMIC - SKYWARD INSURANCE | $8K | — | $8K | 9.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 10050 REGENCY CIRCLE, STE 300 OMAHA, NE 68114 | HOUSTON SPECIALTY INSURANCE COMPANY | $9K | — | $9K | 10.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12444 POWERSCOURT DRIVE STE 500 SAINT LOUIS, MO 63131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 20.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $31K |
| HEALTHSCOPE BENEFITS EIN 47-1409110 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $18K |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 163 | $41K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $36K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GMIC - SKYWARD INSURANCE | 94 | $166K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.