| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BERKLEY LIFE & HEALTH INS CO | $127K | — | $127K | 10.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 6967 S RIVER GATE DR MIDVALE, UT 84047 | HARTFORD LIFE AND ACCIDENT | $55K | — | $55K | 14.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.40% |
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: THE PRESIDIO GROUP / TODD WADE | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH,INC | $7K | — | $7K | 4.00% |
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: THE PRESIDIO GROUP / TODD WADE | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH,INC | $2K | — | $2K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $379K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $215K |
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 CLAIMS PROCESSING | Claims processing Service code 12 | — | $9K |
| OPTUMRX, INC. | Other fees; Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $0 |
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 | 457 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH,INC | 621 | $181K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH,INC | 543 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 563 | $387K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 563 | $387K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 563 | $387K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 457 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 563 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.