| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $17K | $744 | $17K | 4.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $777 | $777 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $446 | $3K | 8.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.25% |
| MICHAEL PARKER3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $984 | $0 | $984 | 6.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $984 | $0 | $984 | 6.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $0 | $528 | $528 | 5.00% |
| HAZLEY MCDANIEL GROUP, INC.3 | 1100 MAIN STREET, SUITE 1850 KANSAS CITY, MO 64105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $943 | $0 | $943 | 17.03% |
| KENYATTE BACCHUS3 | 4911 MONTGALL AVENUE KANSAS CITY, MO 64130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $916 | $0 | $916 | 16.54% |
| KENNETH BACCHUS3 | 1100 MAIN STREET, SUITE 1850 KANSAS CITY, MO 64102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $795 | $0 | $795 | 14.36% |
| MYRA JO HARPER3 | 408 NE EMERALD DRIVE LEES SUMMIT, MO 64064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $675 | $0 | $675 | 12.19% |
| JOHN D. JOYCE3 Filed as: JOHN MCDANIEL | 1100 MAIN STREET, SUITE 1850 KANSAS CITY, MO 64105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $471 | $0 | $471 | 8.50% |
| JAY MCDANIEL3 | 1201 EAST 98TH TERRACE KANSAS CITY, MO 64131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $422 | $0 | $422 | 7.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 4.42% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORPORATION | PO BOX 94600 ALBUQUERQUE, NM 87199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.13% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 121 | $423K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 98 | $36K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 102 | $11K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $72K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 34 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 121 | $423K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.