| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | STANDARD INSURANCE COMPANY | $1.9M | $506K | $2.4M | 10.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $1.7M | $0 | $1.7M | 30.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $582K | $0 | $582K | 10.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE MIDVALE, UT 84047 | UNUM INSURANCE COMPANY | $290K | $0 | $290K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $221K | $221K | 3.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $342K | $0 | $342K | 8.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240K | $0 | $240K | 44.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67K | $21K | $88K | 16.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $64K | $64K | 12.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $0 | $27K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, NC 28209 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $60K | $0 | $60K | 11.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $60K | $0 | $60K | 13.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 0.61% |
| THE PATTERSON INSURANCE GROUP3 | UNKNOWN GREENVILLE, SC 29601 | COMBINED INSURANCE | $57K | $0 | $57K | 14.20% |
| INSURANCE ADVANTAGE AGENCY LLC3 Filed as: INSURANCE ADVANTAGE LLC | UNKNOWN GREENVILLE, SC 29601 | COMBINED INSURANCE | $28K | $0 | $28K | 7.04% |
| RICHARD R JONES JR3 Filed as: RICHARD R. JONES, JR. | UNKNOWN GREENVILLE, SC 29601 | COMBINED INSURANCE | $22K | $0 | $22K | 5.52% |
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 | 21,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 197 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 443 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 18,043 | $4.1M |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 25,168 | $23.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 25,168 | $22.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 25,168 | $22.8M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 25,168 | $29.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,168 | — |
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.