| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60695 | AMERICAN HERITAGE LIFE INSURANCE - ALLSTATE | — | $4K | $4K | 6.62% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE - ALLSTATE | — | $3K | $3K | 4.70% |
| CHRISTOPHER J WILSON | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE - ALLSTATE | — | $1K | $1K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BNFT SVCS INC | 221 W 6TH STREET SUITE 1980 AUSTIN, TX 78701 | AMERICAN HERITAGE LIFE INSURANCE - ALLSTATE | — | $345 | $345 | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BFT SVC INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HM LIFE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $220K |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES | 734 | $583K |
| Dental | UNITED HEALTHCARE SERVICES | 734 | $583K |
| Vision | HM LIFE INSURANCE COMPANY | 287 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 387 | $220K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE - ALLSTATE | 198 | $59K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 387 | $220K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE SERVICES | 734 | $583K |
| Other | COMPSYCH | 411 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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."
No prospect flags tripped on this filing.