| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5151 SAN FELIPE ST STE 1800 HOUSTON, TX 770563631 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $40K | $48K | 2.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | MOUNT DIABLO BLVD STE 100/200 LAFAYETTE, CA 94549 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.22% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L JOHNSON | 3850 E BASELINE RD STE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD STE 800 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVS INC | 4201 WESTOWN PKWY STE 120 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $120 | $120 | 0.60% |
| FIRST FINANCIAL CAPITAL CORPORATION3 Filed as: FIRST FINANCIAL CAPITAL CORP | 16945 NORTHCHASE DR STE 1800 HOUSTON, TX 77060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 24TH FLOOR HOUSTON, TX 77056 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ARTHUR J GALLAGHER CO 2850 GOLF RD ROLLING MEADOWS, IL 600084036 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $231 | $231 | 1.67% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $2.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $103K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $103K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $103K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.