| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1900 WEST LOOP STE 1600 HOUSTON, TX 77027 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER-HOUSTON | 1900 W LOOP S STE 300 HOUSTON, TX 77027 | HUMANA MEDICAL PLAN, INC. | $8K | — | $8K | 2.47% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | HUMANA MEDICAL PLAN, INC. | $1K | — | $1K | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $63 | $19K | 33.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $651 | $651 | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITIAN LIFE INSURANCE COMPANY | $22K | $63 | $22K | 40.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $625 | $625 | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITIAN LIFE INSURANCE COMPANY | $17K | $63 | $17K | 32.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $600 | $600 | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 BAY TO BAY BLVD TAMPA, FL 33629 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.20% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN HERMAN PARTNERS | 4211 W BOY SCOUT BLVD SUITE 900 TAMPLA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 10.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC. EIN 33-0441200 RX BENEFIT ADMIN | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $2.0M |
| ROCKY MOUNTAIN HOSPITAL & MEDICAL EIN 84-0747736 HEALTH PPO ADMIN | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $381K |
| AMERIBEN/IEC GROUP EIN 82-0497661 TPA | Contract Administrator; Claims processing Service code 12 | — | $273K |
| WEX COBRA/FSA ADMIN | Contract Administrator; Claims processing Service code 12 | 700 26TH AVE E WEST FARGO, ND 58078 | $24K |
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 | 1,390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 40 | $338K |
| Dental(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,390 | $971K |
| Vision(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,390 | $971K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,390 | $971K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,390 | $971K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,390 | $971K |
| Other(5 contracts, 3 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 1,390 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,390 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.