| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119K | $0 | $119K | 10.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $0 | $59K | 5.37% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL | 1402 NORTH CAPITOL AVENUE INDIANAPOLIS, IN 46202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $4K | $42K | 3.84% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 0.67% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $394 | $0 | $394 | 0.41% |
| TRACY HENSON TUTOR4 Filed as: TRACY H. TUTOR | 9931 CYPRESS WILLOW COVE OLIVE BRANCH, MS 38654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 10.59% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $79 | $0 | $79 | 0.26% |
| LOCKTON COMPANIES, LLC4 | 444 W 47TH STREET KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | $0 | $70 | 0.23% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, MO 66211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $63 | $0 | $63 | 0.21% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 14.97% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 13.91% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL | 1402 NORTH CAPITOL AVENUE INDIANAPOLIS, IN 46202 | UNUM INSURANCE COMPANY | $801 | $108 | $909 | 3.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $618 | $0 | $618 | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $103 | $103 | 0.45% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITOL, SUITE 400 INDIANAPOLIS, IN 46202 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $166 | $0 | $166 | 15.01% |
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 | 1,476 | 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) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,547 | $411K |
| Vision | VISION SERVICE PLAN | 814 | $96K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,476 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,476 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,476 | $1.1M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,476 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,547 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.