| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $76K | $89K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $34K | $38K | 1.31% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATES INC | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | UNITED HEALTHCARE INSURANCE COMPANY | — | -$69 | -$69 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.29% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.27% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.76% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.21% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 17.11% |
| HAUSER INC3 | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.42% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | — | $518 | $518 | 2.48% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 566 | $2.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 566 | $2.9M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 566 | $2.9M |
| Life insurance | STANDARD INSURANCE COMPANY | 363 | $63K |
| Short-term disability | STANDARD INSURANCE COMPANY | 164 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 155 | $21K |
| Other | STANDARD INSURANCE COMPANY | 363 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
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.