| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD GBS FINANCE 0 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF INDIANA | $34K | $0 | $34K | 9.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $432K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 PLAN ADMINISTRATOR / ACT | Actuarial; Plan Administrator; Insurance agents and brokers Service code 11 | — | $165K |
| BOSE MCKINNEY & EVANS LLP EIN 35-0957980 LEGAL SERVICES | Legal Service code 29 | — | $38K |
| NONPROFIT FINANCIAL SOLUTIONS EIN 20-0257445 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $32K |
| BRADY WARE & SCHOENFELD INC EIN 35-1476702 AUDIT/TAX SERVICES | Accounting (including auditing) Service code 10 | — | $19K |
| RX BENEFITS EIN 63-1157085 NONE | Claims processing Service code 12 | — | $8K |
| PERPETUAL LLC EIN 20-6544159 BROKER | Other commissions Service code 55 | — | $2K |
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 | 729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,301 | $348K |
| Prescription drug(5 contracts) | RXBENEFITS, INC. | 282 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 740 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,301 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.