| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $113K | — | $113K | 4.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $45K | $45K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8117 PRESTON ROAD, SUITE 530 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | RELIASTAR LIFE INSURANCE COMPANY | $77K | — | $77K | 12.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | — | $14K | $14K | 2.22% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | — | $9K | $9K | 2.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | — | $273 | $273 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BCS INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $8K | $41 | $8K | 10.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $944 | $944 | 1.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 MEDICAL PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.6M |
| XEROX HR SOLUTIONS EIN 23-1159360 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Consulting (general) Service code 13 | — | $1.9M |
| MARATHON HEALTH EIN 26-0103977 OTHER SERVICES | Other fees; Other services Service code 49 | — | $380K |
| CENTERS FOR MEDICARE AND MEDICAID EIN 52-0883104 OTHER SERVICES | Other services; Other fees Service code 49 | — | $212K |
| LOCKTON DUNNING EIN 20-3354970 CONSULTANT | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $162K |
| MAGELLAN BEHAVIOR HEALTH - EAP EIN 52-2135463 MEDICAL | Direct payment from the plan; Insurance services Service code 23 | — | $142K |
| AETNA DENTAL EIN 06-6033492 DENTAL PROVIDER | Insurance services; Direct payment from the plan Service code 23 | — | $126K |
| SELF INSURED STD EIN 01-0278678 PARTICIPANT RESOURCE | Contract Administrator; Direct payment from the plan Service code 13 | — | $79K |
| ACCOUNTABLE HEALTH SOLUTIONS EIN 35-1852246 MEDICAL | Account maintenance fees; Direct payment from the plan Service code 50 | — | $71K |
| PAYFLEX FSA, COBRA EIN 91-1774434 MEDICAL | Direct payment from the plan; Claims processing Service code 12 | — | $68K |
| BLUE CROSS BLUE SHIELD COBRA - HCSC EIN 36-1236610 MEDICAL | Direct payment from the plan; Insurance services Service code 23 | — | $24K |
| TOWERS WATSON PA EIN 53-0181291 OTHER SERVICES | Other fees; Other services Service code 49 | — | $15K |
| WELLS FARGO INSURANCE SERVICES EIN 94-1347393 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $13K |
| PASSPORT HEALTH EIN 20-8480879 MEDICAL | Direct payment from the plan; Insurance services Service code 23 | — | $6K |
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 | 17,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,872 | $324K |
| Vision | VISION SERVICE PLAN | 4,134 | $678K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,000 | $2.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,487 | $1.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,487 | $1.7M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 4,885 | $291K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,000 | $3.2M |
| 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."
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.