| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES | — | BLUE CROSS BLUE SHIELD | $160K | — | $160K | 5.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHR BFT SVC INC | 601 NORTHWEST LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | ALLSTATE WORKPLACE DIVISON | $1K | — | $1K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | ALLSTATE WORKPLACE DIVISON | $1K | — | $1K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 35.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 601 NORTHWEST LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 35.29% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 709 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD | 709 | $3.0M |
| Vision | HM LIFE INSURANCE COMPANY | 376 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 402 | $52K |
| Short-term disability | STANDARD INSURANCE COMPANY | 141 | $78K |
| Long-term disability | STANDARD INSURANCE COMPANY | 402 | $82K |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 448 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.