| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $313K | $77K | $390K | 7.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | HEALTH PLAN OF NEVADA | $54K | $0 | $54K | 2.29% |
| HYLANT GROUP INC3 Filed as: MYRANDA D. HYLAND | 5302 68TH STREET LUBBOCK, TX 79424 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38K | $0 | $38K | 12.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1611 10TH STREET AURORA, NE 68818 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | $0 | $33K | 10.65% |
| TERENCE CORNELL3 | 2304 DUNLAVY STREET HOUSTON, TX 77006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 6.25% |
| ADAM O MARQUEZ3 Filed as: ADAM O. MARQUEZ | 2505 CAMBRIDGE ODESSA, TX 79761 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 3.05% |
| MICHAEL J THRASHER3 Filed as: MICHAEL J. THRASHER & OTHER AGENTS | 19723 DESNA DRIVE PORTER, TX 77365 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 2.67% |
| LUZ ELENA SERVI3 Filed as: LUZ E. SERVI | 2349 SALEROSO DRIVE ROWLAND HEIGHTS, CA 91748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.68% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $400 | $400 | 20.00% |
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 | 3,896 | 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) | 3,896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 375 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,611 | $5.4M |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,611 | $5.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,611 | $5.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,611 | $5.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,611 | $5.4M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 20 | $175K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,611 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,611 | — |
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.