| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORPORATION | $28K | $0 | $28K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $35K | $0 | $35K | 9.46% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: REGENCE BLUECROSS BLUESHIELD OF UT. | 100 SW MARKET STREET PORTLAND, OR 97201 | USABLE LIFE | $4K | $0 | $4K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21011 WARNER CENTER LANE WOODLAND HILLS, CA 91367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40K | $0 | $40K | 49.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 800 CAPITAL CIRCLE SE, UNIT 2 TALLAHASSEE, FL 32301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.61% |
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 | 757 | 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) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,421 | $471K |
| Vision | VISION SERVICE PLAN | 463 | $114K |
| Life insurance | USABLE LIFE | 931 | $366K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 931 | $447K |
| Long-term disability | USABLE LIFE | 931 | $366K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 931 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,421 | — |
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.