| 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 | $58K | $0 | $58K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $13K | $0 | $13K | 5.53% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $734 | $0 | $734 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 74.80% |
| KAREN HARMER3 Filed as: KAREN L. HARMER | 2581 GOLDEN EYE DRIVE SANDY, UT 84093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 24.44% |
| LENSERF AND CO INC3 Filed as: LENSERF AND CO., INC. | 31 CHESTNUT HILL ROAD FOREST HILL, MD 21050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 127 BOONE TRAIL SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 5.15% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS, LLC | 2581 GOLDEN EYE DRIVE SANDY, UT 84093 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 3.29% |
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 | 1,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,473 | $237K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 990 | $577K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 990 | $577K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 990 | $577K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 990 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,473 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.