| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD GBS FINANCE 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 13.77% |
| MARK NEILL3 | 3410 WILLIAMS DR STE 420 MONTROSE, CO 81401 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.66% |
| MARK NEILL3 Filed as: MARK NEILL INSURANCE SERVICE | 67787 OSPREY LANE MONTROSE, CO 81401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 20.00% |
| MARK NEILL3 | 3410 WILLIAMS DR STE 420 MONTROSE, CO 81401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 21.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD GBS FINANCE 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 13.45% |
| MARK NEILL3 | 3410 WILLIAMS DR STE 420 MONTROSE, CO 81401 | VISION SERVICE PLAN | $86 | $0 | $86 | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS MGMT SVCS LLC EIN 81-0391256 CASE MANAGEMENT | Contract Administrator; Other fees Service code 13 | — | $218K |
| MOUNTAIN WEST INSURANCE EIN 52-2364820 BROKER | Insurance agents and brokers Service code 22 | — | $71K |
| FIRST HEALTH GROUP CORP. EIN 20-1736437 PPO | Other services Service code 49 | — | $34K |
| AMERITAS LIFE INSURANCE COMPANY EIN 47-0098400 DENTAL ADMIN | Contract Administrator Service code 13 | — | $17K |
| WESTERN HEALTHCARE ALLIANCE EIN 84-1159443 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
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 | 547 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE COMPANY | 506 | $25K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 765 | $84K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 543 | $126K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 543 | $56K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 543 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.