| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC. | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 4.51% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGER BENEFIT SERVICES INC. | TWO PIERCE PL FL 14 ITASCA, IL 60143 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC. | 21ST FLOOR TWO PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.16% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGER BENEFIT SERVICES INC. | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $942 | $942 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGER BENEFIT SERVICES INC. | 21ST FLOOR TWO PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGER BENEFIT SERVICES INC. | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $160 | $160 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC. | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | UNION SECURITY INSURANCE COMPANY | $767 | — | $767 | 10.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC. | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | UNITED DENTAL CARE OF TEXAS, INC | $313 | — | $313 | 10.00% |
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 | 43 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 43 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 96 | $595K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 21 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $75K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.
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.