| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37207 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $520K | $520K | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $195K | $0 | $195K | 25.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 4.27% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $448 | $448 | 0.06% |
| MATTHEW B MORASKI3 Filed as: MATTHEW PAXTON | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $88K | $0 | $88K | 19.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | SELECTHEALTH | $17K | $0 | $17K | 9.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 545 METRO PLACE SOUTH, SUITE 150 DUBLIN, OH 43017 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $22K | $0 | $22K | 64.04% |
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 | 2,396 | 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) | 2,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,686 | $11.2M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,399 | $631K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,399 | $453K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,396 | $816K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,396 | $781K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,396 | $781K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,686 | $11.2M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,396 | $781K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,686 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.