| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $107K | — | $107K | 4.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 3600 AMERICAN BLVD STE 500 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $104K | $104K | 4.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MGMT | 8117 PRESTON RD DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $100K | $100K | 5.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MGMT | 8117 PRESTON RD SUITE 530 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 0.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 3600 AMERICAN BLVD ATTN COMMISSIONS BLOOMINGTON, MN 55431 | RELIASTAR LIFE INSURANCE COMPANY | $76K | — | $76K | 12.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 2.19% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE STE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE CO. | — | $7K | $7K | 2.13% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 2100 DALLAS, TX 75201 | AETNA LIFE INSURANCE CO. | — | $6K | $6K | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MGMT | 8117 PRESTON RD SUITE 530 DALLAS, TX 75225 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $7K | — | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $1K | $1K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 60143 | HYATT LEGAL PLANS | — | $41 | $41 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: ARTHUR J GALLAGHER RISK MGMT | 8117 PRESTON RD SUITE 530 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 10.57% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $448 | $448 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: ARTHUR J GALLAGHER RISK MGMT | 8117 PRESTON RD SUITE 530 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $58 | $58 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FLOOR 14 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| XEROX HR SOLUTIONS EIN 23-1159360 CONTRACT ADMINISTRATOR | Consulting (general); Direct payment from the plan; Contract Administrator Service code 13 | P O BOX 202617 DALLAS, TX 75320 | $2.0M |
| CENTERS FOR MEDICARE & MEDICAID OTHER SERVICES | Other fees; Other services Service code 49 | 7500 SECURITY BLVD BALIMORE, MD 21244 | $351K |
| LOCKTON DUNNING EIN 20-3354970 CONSULTANT | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | P O BOX 123042 DALLAS, TX 75312 | $145K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINSTRATOR | Direct payment from the plan; Insurance services; Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTSFORD, CT 06156 | $124K |
| ACCOUNTABLE HEALTH SOLUTIONS EIN 35-1852246 MEDICAL | Account maintenance fees; Direct payment from the plan Service code 50 | 8910 PURDUE RD SUITE 700 INDIANAPOLIS, IN 46268 | $103K |
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 PARTICIPANT RESOURCE | Contract Administrator; Direct payment from the plan Service code 13 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $79K |
| PAYFLEX FSA/COBRA EIN 91-1774434 CLAIMS ADMINSTRATOR | Direct payment from the plan; Claims processing Service code 12 | 1802 FARNAM DRIVE OMAHA, NE 68154 | $74K |
| MARATHON HEALTH EIN 26-0103977 OTHER SERVICES | Other services; Other fees Service code 49 | 20 WINOOSKI FALLS WAY SUITE 400 WINOOSKI, VT 05404 | $26K |
| BCBS COBRA EIN 36-1236610 MEDICAL | Insurance services; Direct payment from the plan Service code 23 | 25551 NETWORK PLACE CHICAGO, IL 60673 | $19K |
| WELLS FARGO TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 608 2ND AVENUE MINNEAPOLIS, MN 55402 | $13K |
| GUIDESPARK, INC EIN 26-2229814 COMMUNICATIONS | Participant communication; Direct payment from the plan Service code 38 | P O BOX 8365 PASDENA, CA 91109 | $10K |
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 | 18,967 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 18,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 9,288 | $41.0M |
| Dental | AETNA LIFE INSURANCE CO. | 1,387 | $341K |
| Vision | VISION SERVICE PLAN | 4,292 | $680K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,000 | $2.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,793 | $1.8M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,793 | $1.9M |
| Other(7 contracts, 7 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,000 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,000 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.