| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1251 N EDDY ST STE 201 SOUTH BEND, IN 46617 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 7.57% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.64% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: R&R BENEFITS RISK MANAGEMENT LLC | 1251 N EDDY ST STE 201 SOUTH BEND, IN 46617 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.79% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: R&R BENEFITS RISK MANAGEMENT LLC | 1251 N EDDY ST STE 201 SOUTH BEND, IN 46617 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.36% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 96 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 848 | $239K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,148 | $88K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 400 | $1.4M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 1,148 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,148 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.