| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, TX 60006 | BLUECROSS BLUESHIELD OF TEXAS | $27K | $2K | $28K | 3.53% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | BLUECROSS BLUESHIELD OF TEXAS | $21K | — | $21K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4407 S INTERSTATE 35 STE 102 GEORGETOWN, TX 78626 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $163 | $2K | 9.29% |
| CU BENEFITS ALLIANCE3 | PO BOX 12398 SALEM, OR 97309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.40% |
| CU BENEFITS ALLIANCE3 Filed as: CU BENEFITS ALLIANCE LLC | 451 DIVISION ST NE SALEM, OR 97301 | DEARBORN LIFE INSURANCE COMPANY | $955 | — | $955 | 5.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $871 | — | $871 | 4.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 30.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2580 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 30.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4407 S INTERSTATE 35 STE 102 GEORGETOWN, TX 78626 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.54% |
| CU BENEFITS ALLIANCE3 | PO BOX 12398 SALEM, OR 97309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $846 | — | $846 | 6.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4407 S INTERSTATE 35 STE 102 GEORGETOWN, TX 78626 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $927 | $79 | $1K | 9.27% |
| CU BENEFITS ALLIANCE3 | PO BOX 12398 SALEM, OR 97309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $700 | — | $700 | 6.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4407 S INTERSTATE 35 STE 102 GEORGETOWN, TX 78626 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $569 | $47 | $616 | 9.22% |
| CU BENEFITS ALLIANCE3 | PO BOX 12398 SALEM, OR 97309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $433 | — | $433 | 6.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS EIN 83-4136902 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $3K |
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 | 79 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 268 | $802K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 122 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 248 | $24K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 143 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $11K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 268 | $802K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 248 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.