| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES / TODD W | 6340 SOUTH 3000 EAST SUITE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLAN LIFE, ACCIDENT AND HEALTH INC | $24K | — | $24K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 3.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVE STE 1400 SECURITY NATIONAL FINA, AL 35203 | STANDARD INSURANCE COMPANY | $79K | — | $79K | 45.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES / TODD W | 6340 SOUTH 3000 EAST SUITE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | $3K | — | $3K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $7.0M | — | $7.0M | 11721.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $598K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Employee (plan sponsor) Service code 35 | — | $130K |
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 | 780 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 147 | $591K |
| Dental(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLAN LIFE, ACCIDENT AND HEALTH INC | 1,775 | $1.2M |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | 1,338 | $86K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,117 | $302K |
| Short-term disability | STANDARD INSURANCE COMPANY | 269 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,227 | $129K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 147 | $591K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 780 | $675K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 147 | $591K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,775 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.