| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HEALTHCARE SERVICE CORPORATION | $73K | — | $73K | 4.35% |
| BENEFIT SOURCE INC5 Filed as: BENEFIT SOURCE, INC. | 304 RIDGELAND DR GREENVILLE, SC 29601 | HEALTHCARE SERVICE CORPORATION | — | $19K | $19K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HEALTHCARE SERVICE CORPORATION | — | $14K | $14K | 0.86% |
| BENEFIT SOURCE INC5 Filed as: BENEFIT SOURCE, INC. | 304 RIDGELAND DR GREENVILLE, SC 29601 | PAN AMERICAN LIFE INSURANCE COMPANY | — | $23K | $23K | 11.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 11.92% |
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 | 283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HEALTHCARE SERVICE CORPORATION | 281 | $1.9M |
| Vision(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 278 | $275K |
| Life insurance(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 278 | $275K |
| Short-term disability | PAN AMERICAN LIFE INSURANCE COMPANY | 73 | $210K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHCARE SERVICE CORPORATION | 281 | $1.9M |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 73 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.