| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $36K | $11K | $47K | 18.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.88% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $226 | $0 | $226 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 27.84% |
| MONICA ISELA FERNANDEZ3 | 12707 STEWARDS LANE CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 13.05% |
| RUBY L. DEJESUS DAVIS3 | 6902 PINEFERN LANE SPRING, TX 77379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 10.97% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS, LLC | 211 HIGHLAND CROSS DRIVE, SUITE 112 HOUSTON, TX 77073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.81% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 199 | $45K |
| Life insurance | STANDARD INSURANCE COMPANY | 299 | $257K |
| Short-term disability | STANDARD INSURANCE COMPANY | 299 | $257K |
| Long-term disability | STANDARD INSURANCE COMPANY | 299 | $257K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 299 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.