| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 600084050 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $83K | $98K | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 601 NW LOOP 410 STE 325 SAN ANTONIO, TX 78216 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 13.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE. 325 SAN ANTONIO, TX 782165849 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $847 | $5K | 12.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE. 325 SAN ANTONIO, TX 782165849 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $365 | $3K | 22.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE. 325 SAN ANTONIO, TX 782165849 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $370 | $3K | 18.26% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $1.6M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $190K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $190K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $190K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.