| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $175K | $180K | 6.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $2K | $56K | 16.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | AMERITAS LIFE INSURANCE CORPORATION | $9K | $0 | $9K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $798 | $798 | 0.93% |
| THE AGURS GROUP INC.4 Filed as: THE AGURS GROUP, INC. | 5721 FRENCH LACE COURT NORTH LAS VEGAS, NV 89081 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 17.59% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 70 NE LOOP, SUITES 325 AND 410 SAN ANTONIO, TX 78216 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $829 | $0 | $829 | 5.85% |
| JILLETTA RILEY4 | 16 STERN PLACE FORDS, NJ 08863 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $444 | $0 | $444 | 3.13% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL, INC. | 6525 GUNPARK DRIVE, SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.16% |
| PEGGY L. WILSON4 | 15390 CHELSEA DRIVE SAN JOSE, CA 95124 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $16 | $0 | $16 | 0.11% |
| RITA N. PARROTT4 | 52 LLEWELLYN AVENUE CAMPBELL, CA 95008 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13 | $0 | $13 | 0.09% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $2.9M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,108 | $86K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $344K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $344K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $344K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $2.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,134 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.