| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $129K | $142K | 5.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $162 | $20K | 24.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.39% |
| OHCS, INC.3 | 400 ROBERT STREET NORTH SAINT PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | MINNESOTA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| NATIONAL INSURANCE SERVICES OF WI3 Filed as: NATIONAL INSURANCE SERVICES OF WI. | UNKNOWN HOUSTON, TX 77054 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $5K | $0 | $5K | 12.00% |
| JEFF FRENCH3 | UNKNOWN HOUSTON, TX 77054 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $4K | $0 | $4K | 10.00% |
| OCHS INC3 Filed as: OCHS, INC. | 400 ROBERT STREET NORTH SAINT PAUL, MN 55101 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 4.00% |
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 | 371 | 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) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 615 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 615 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 615 | $2.5M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 371 | $47K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $83K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 296 | $45K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 615 | $2.5M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 615 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.
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.