| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO LINCOLN CENTRE DALLAS, TX 75240 | BLUECROSS BLUESHIELD OF TEXAS | $167K | $10 | $167K | 3.90% |
| GORDON YOUNGBLOOD3 Filed as: GORDON R. YOUNGBLOOD | 15950 DALLAS PARKWAY, SUITE 400 DALLAS, TX 74548 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $3K | $3K | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 14.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $320 | $2K | 11.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | SUN LIFE ASSURANCE COMPANY OF CANADA | $74 | $0 | $74 | 0.45% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 590 | $4.3M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 590 | $4.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 281 | $228K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 281 | $228K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 281 | $228K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 281 | $228K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 590 | $4.3M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 281 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.