| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC. | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | THE HARTFORD FINANCIAL SERVICES GROUP, INC | $32K | $4K | $35K | 16.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFT SVCS | 221 W 6TH STREET SUITE 1980 AUSTIN, TX 78701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.44% |
| THE BANK OF SAN ANTONIO INS. GROUP3 Filed as: BANK OF SAN ANTONIO INS GRP | 1900 NW LOOP 410 SUITE 200 SAN ANTONIO, TX 78213 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | 1900 WEST LOOP SOUTH STE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE INSURANCE COMPANY | $10K | $967 | $11K | 16.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HYATT LEGAL PLANS | $1K | $165 | $1K | 9.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS | $222 | — | $222 | 1.79% |
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 | 716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,100 | $410K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,100 | $410K |
| Life insurance | THE HARTFORD FINANCIAL SERVICES GROUP, INC | 881 | $220K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 160 | $152K |
| Long-term disability | THE HARTFORD FINANCIAL SERVICES GROUP, INC | 881 | $220K |
| Other | HYATT LEGAL PLANS | 51 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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.