| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 6325 RANCH DR LITTLE ROCK, AR 72223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 15.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 2.05% |
| CRAIG A LOWRANCE3 | P.O. BOX 11343 SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 4.00% |
| CRAIG A LOWRANCE3 | P.O. BOX 11343 SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 6.00% |
| CRAIG A LOWRANCE3 | P.O. BOX 11343 SPRINGFIELD, MO 658081343 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 9.96% |
| CRAIG A LOWRANCE3 | P.O. BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 17.37% |
| ONE SOURCE EMPLOYEE BENEFITS3 | P.O. BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $960 | — | $960 | 1.64% |
| MICHAEL C CHAPMAN3 | 2150 PORTWOOD WAY FT WORTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $848 | — | $848 | 1.45% |
| DONALD THOMAS3 | 2150 PORTWOOD WAY C/O MICHAEL CHAPMAN FT WORTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $227 | — | $227 | 0.39% |
| RWG HOUSE ACCT3 | 1020 W. 4TH LITTLE ROCK, AR 72201 | TRANSAMERICA LIFE INSURANCE COMPANY | $168 | — | $168 | 0.29% |
| RANDY J ROSE3 | 110 COOPER DRIVE HARRISON, AR 72601 | TRANSAMERICA LIFE INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| PEGGY J ZELLER3 | 1947 S SAGAMONT SPRINGFIELD, MO 65807 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6325 RANCH DR LITTLE ROCK, AR 72223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 53.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 6.48% |
| CRAIG A LOWRANCE3 | P.O. BOX 11343 SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $581 | — | $581 | 11.00% |
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 | 650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $79K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 733 | $461K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 733 | $445K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 733 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.