| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE & ACCIDENT | — | $2K | $2K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60695 | AMERICAN HERITAGE LIFE INSURANCE- ALLSTATE | — | $6K | $6K | 7.94% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFITS SERVICES | 2 PIERCE PLACE 14TH FL ITASCA, IL 60143 | AMERICAN HERITAGE LIFE INSURANCE- ALLSTATE | — | $3K | $3K | 3.44% |
| CHRISTOPHER J WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE- ALLSTATE | — | $2K | $2K | 2.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $258K |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES | 773 | $996K |
| Dental | UNITED HEALTHCARE SERVICES | 773 | $996K |
| Vision | UNITED HEALTHCARE SERVICES | 773 | $996K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 410 | $217K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE- ALLSTATE | 162 | $75K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 410 | $217K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE SERVICES | 773 | $996K |
| Other | WORKERS ASSISTANCE PROGRAM, INC | 424 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.