| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | GUARDIAN | $67K | $25K | $91K | 6.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | — | $31K | $31K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | — | $16K | $16K | 4.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | — | $13K | $13K | 4.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | $25K |
| MILLIMAN INTELLISCRIPT EIN 47-5650627 ACTUARIAL | Actuarial Service code 11 | 17335 GOLF PKWY, STE 100 BROOKFIELD, WI 53045 | $20K |
| PURVIS, GRAY AND COMPANY, LLP EIN 59-0548468 ACCOUNTANT/AUDIT | Accounting (including auditing) Service code 10 | 2347 SE 17TH STREET OCALA, FL 34471 | $13K |
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 | 5,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 2,905 | $44.9M |
| Dental | GUARDIAN | 2,271 | $1.3M |
| Vision | GUARDIAN | 2,271 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 3,071 | $403K |
| Short-term disability | STANDARD INSURANCE COMPANY | 602 | $307K |
| Long-term disability | STANDARD INSURANCE COMPANY | 640 | $658K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 2,905 | $44.9M |
| Other | STANDARD INSURANCE COMPANY | 299 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,071 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.