| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | THE HARTFORD FINANCIAL SERVICES GROUP, INC | $42K | — | $42K | 17.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606951542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 14.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC. | 2 PIERCE PL FLOOR 14 ITASCA, IL 601431203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.62% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: BANK OF SAN ANTONIO INS GRP | 1900 NW LOOP 410 STE 200 SAN ANTONIO, TX 78213 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1900 WEST LOOP SOUTH STE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | METLIFE INSURANCE COMPANY | $8K | $756 | $8K | 16.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC. | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS | $1K | $211 | $2K | 11.48% |
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 654 | $294K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,009 | $54K |
| Life insurance | THE HARTFORD FINANCIAL SERVICES GROUP, INC | 841 | $232K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 177 | $153K |
| Long-term disability | THE HARTFORD FINANCIAL SERVICES GROUP, INC | 841 | $232K |
| Other | HYATT LEGAL PLANS | 60 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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.