| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN | $6K | $51K | $57K | 4.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95148 CHICAGO, IL 606945148 | STANDARD INSURANCE COMPANY | — | $33K | $33K | 15.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PURVIS, GRAY AND COMPANY, LLP EIN 59-0548468 ACCOUNTANT/AUDIT | Accounting (including auditing) Service code 10 | 2347 SE 17TH STREET OCALA, FL 34471 | $42K |
| CONNER & WINTERS, LLP ATTORNEY | Legal Service code 29 | 15 E. 5TH STREET TULSA, OK 74103 | $31K |
| MILLIMAN INTELLISCRIPT EIN 47-5650627 ACTUARIAL | Actuarial Service code 11 | 17335 GOLF PKWY, STE 100 BROOKFIELD, WI 53045 | $20K |
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 | 5,380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,388 | 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 | 2,743 | $43.8M |
| Dental | GUARDIAN | 2,114 | $1.4M |
| Vision | GUARDIAN | 2,114 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 2,748 | $384K |
| Short-term disability | STANDARD INSURANCE COMPANY | 638 | $298K |
| Long-term disability | STANDARD INSURANCE COMPANY | 577 | $544K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 2,743 | $43.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,748 | — |
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.