| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $81 | $58K | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60134 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37K | $37K | 1.31% |
| TUCKER LITHOGRAPHIC COMPANY, INC.5 Filed as: TUCKER LITHOGRAPHIC, INC. | 5250 GULFTON, SUITE 2D HOUSTON, TX 77081 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 0.56% |
| INNERWORKINGS INC5 Filed as: INNERWORKINGS | 7503 SOLUTION CENTER CHICAGO, IL 60677 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209K | — | $209K | 10.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $26K | $26K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | VISION SERVICE PLAN | $12K | — | $12K | 2.98% |
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 | 5,054 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FAMILY HEALTH HAWAII | 120 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,896 | $2.8M |
| Vision | VISION SERVICE PLAN | 4,301 | $388K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,860 | $2.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,860 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,860 | $2.0M |
| Prescription drug | FAMILY HEALTH HAWAII | 120 | $0 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,860 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,896 | — |
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.