| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $62K | $0 | $62K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 4.49% |
| KAREN HARMER3 Filed as: KAREN L. HARMER | PO BOX 829 SANDY, UT 84091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98K | $0 | $98K | 38.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 4.25% |
| LENSERF AND CO INC3 Filed as: LENSERF AND COMPANY, INC. | 700 12TH STREET, SUITE 700 WASHINGTON, DC 20005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | $0 | $220 | 0.09% |
| JEAN CLAUDE FRESNEL JR3 Filed as: JEAN-CLAUDE FRESNEL, JR. | 12201 WORTHINGTON ROAD OWINGS MILLS, MD 21117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.02% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 127 BOONE TRAIL SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $5K | $0 | $5K | 4.60% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $12 | $0 | $12 | 0.01% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS, LLC | 2581 EAST GOLDEN EYE DRIVE SANDY, UT 84093 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $2 | $1K | 5.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $888 | $888 | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | FEDERAL INSURANCE COMPANY | $690 | $0 | $690 | 15.00% |
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 | 800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 630 | $112K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 995 | $620K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 995 | $620K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 995 | $620K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 995 | $901K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.