| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL | $2K | — | $2K | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 22.74% |
| CONNECT SOURCE SOLUTIONS, INC. | 1150 HUNGRY NECK BLVD STE C121 MT PLEASANT, SC 29464 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 72.00% |
| CONNECT SOURCE SOLUTIONS, INC.3 | 1150 HUNGRY NECK BLVD STE C121 MT PLEASANT, SC 29464 | STANDARD INSURANCE COMPANY | — | $17 | $17 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 23.29% |
| CONNECT SOURCE SOLUTIONS, INC. | 1155 HUNGRY NECK BLVD SUITE C121 MT PLEASANT, SC 29464 | STANDARD INSURANCE COMPANY | — | $805 | $805 | 3.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 23.71% |
| CONNECT SOURCE SOLUTIONS, INC. Filed as: CONNECT SOURCE SOLUTIONS, INC | 1150 HUNGRY NECK BLVD STE C121 MT PLEASANT, SC 29464 | STANDARD INSURANCE COMPANY | — | $559 | $559 | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11219 FINANCIAL CENTRE PKWY, #311 LITTLE ROCK, AR 72211 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $3K | — | $3K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE ADVANTAGE ADMINISTRATORS OF AR EIN 71-0226428 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $75K |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL AIR SERVICES ASSOCIATION, INC. | 88 | $15K |
| Dental | DELTA DENTAL | 225 | $64K |
| Vision | DELTA DENTAL | 217 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 190 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 40 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 21 | $15K |
| Other | STANDARD INSURANCE COMPANY | 36 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.