| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $42K | $0 | $42K | 7.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | RELIASTAR LIFE INSURANCE COMPANY | $33K | $0 | $33K | 31.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 310502 DES MOINES, IA 50331 | LEGALPLANS, USA | $5K | $0 | $5K | 15.00% |
| CORESTREAM3 | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | LEGALPLANS, USA | $2K | $0 | $2K | 5.00% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M. MC CULLUGH | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 18.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $616 | $0 | $616 | 19.99% |
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 | 1,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 688 | $98K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,278 | $547K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,278 | $547K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,278 | $547K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,278 | $704K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,278 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.