| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | — | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $17K | $0 | $17K | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $14K | $58K | 18.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $315 | $315 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $4K | $18K | 9.31% |
| MCGRIFF INSURANCE SERVICES INC | 750 B ST SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INCE | 1900 WEST LOOP S STE 1600 HOUSTON, TX 770273295 | VISION SERVICE PLAN | $2K | — | $2K | 2.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $163 | $9K | 18.97% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DR STE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $653 | $0 | $653 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $322 | $9K | 20.78% |
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 | 768 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 768 | $6.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 494 | $190K |
| Vision | VISION SERVICE PLAN | 435 | $79K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 859 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.