| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | BLUE CROSS OF CALIFORNIA | $105K | $7K | $112K | 7.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $6K | $0 | $6K | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 12.77% |
| DAVID MORRIS3 | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $662 | $0 | $662 | 4.22% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATION CIRCLE SUITE 1005 BOCA RATON, FL 33428 | TRUSTMARK INSURANCE COMPANY | $417 | $0 | $417 | 2.66% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BECAH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 55.56% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | $0 | $27 | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 6769 NORTH WICKHAM ROAD SUITE 107 MELBOURNE, FL 32940 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | $0 | $21 | 0.54% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 257 | $1.6M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 184 | $145K |
| Vision | BLUE CROSS OF CALIFORNIA | 257 | $1.6M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 257 | $1.6M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 257 | $1.6M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 257 | $1.6M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 257 | $1.6M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 257 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.