| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $0 | $49K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | NATIONWIDE INSURANCE | $12K | $0 | $12K | 14.18% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC | 301 NORTH MAIN STREET, SUITE 1030 WINSTON SALEM, NC 27101 | NATIONWIDE INSURANCE | $10K | $0 | $10K | 11.35% |
| GILSBAR, LLC3 | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | $0 | $9K | $9K | 9.93% |
| RESOLUTION REINSURANCE3 | 4408 FOREST DRIVE, SUITE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | $0 | $6K | $6K | 7.27% |
| INTEGRATED WORKSITE SOLUTIONS LLC3 Filed as: INTEGRATED WORKSITESOLUTIONS, LLC | 1445 NORVIEW DRIVE NEW FRANKLIN, OH 44216 | NATIONWIDE INSURANCE | $2K | $0 | $2K | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $276 | $276 | 2.06% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $13K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.0M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.