| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $0 | $79K | 13.17% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $29K | $29K | 4.86% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 4.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 0.86% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM INSURANCE COMPANY | $26K | $0 | $26K | 11.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $18K | $0 | $18K | 8.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $16K | $0 | $16K | 7.19% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL | 1402 NORTH CAPITOL INDIANAPOLIS, IN 46202 | UNUM INSURANCE COMPANY | $3K | $179 | $4K | 1.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 1.08% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $488 | $0 | $488 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $227 | $0 | $227 | 10.02% |
| TRACY HENSON TUTOR4 Filed as: TRACY H. TUTOR | 9931 CYPRESS WILLOW COVE OLIVE BRANCH, MS 38654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $181 | $0 | $181 | 7.99% |
| DORSEY & ASSOCIATES, INC.4 Filed as: DORSEY AND ASSOCIATES, INC. | 1655 VINERY AVENUE CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10 WEST CARMEL DRIVE, SUITE 260 CARMEL, IN 46032 | 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 | 949 | 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) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,691 | $476K |
| Vision | VISION SERVICE PLAN | 901 | $106K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,027 | $600K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,027 | $600K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,027 | $600K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,027 | $829K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,691 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.