STOCK TITAN

Gallagher (NYSE: AJG) CFO updates equity holdings after phantom stock exercise

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Arthur J. Gallagher & Co. VP & Chief Financial Officer Douglas K. Howell exercised 76.382 phantom stock units into an equal number of common shares, then had 76.382 shares withheld to cover tax obligations at a price of $215.95 per share. After these routine compensation-related entries, he directly holds 106,709.7558 common shares, plus indirect holdings through a spouse and a Gallagher 401(k) plan where he disclaims beneficial ownership. He also retains substantial notional stock units and non-qualified stock options that can deliver additional Gallagher common stock over time.

Positive

  • None.

Negative

  • None.
Insider HOWELL DOUGLAS K
Role VP & Chief Financial Officer
Type Security Shares Price Value
Exercise Phantom Stock 76.382 $0.00 --
Exercise Common Stock 76.382 $215.95 $16K
Tax Withholding Common Stock 76.382 $215.95 $16K
holding Notional Stock Units -- -- --
holding Notional Stock Units -- -- --
holding Non-qualified Stock Option -- -- --
holding Non-qualified Stock Option -- -- --
holding Non-qualified Stock Option -- -- --
holding Non-qualified Stock Option -- -- --
holding Non-qualified Stock Option -- -- --
holding Non-qualified Stock Option -- -- --
holding Non-qualified Stock Option -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Phantom Stock — 6,866.898 shares (Direct); Common Stock — 106,786.138 shares (Direct); Notional Stock Units — 208,342.081 shares (Direct); Non-qualified Stock Option — 31,265 shares (Direct); Common Stock — 3,165 shares (Indirect, By Spouse)
Footnotes (1)
  1. The reporting person has no voting or invesment power over these shares and disclaims beneficial ownership. Each share of phantom stock represents a right to receive one share of Gallagher common stock. These shares represent awards under the Age 62 Plan, a nonqualified deferred compensation plan of the Company, which have been deemed invested in Company common stock at the election of the reporting person. Participants vest in these awards when they attain age 62, or after a one-year period for participants who have attained age 61. Each notional stock unit represents a right to receive one share of Gallagher common stock. The notional stock units become payable following the reporting person's separation from service with Gallagher. Portions of these notional stock units are payable to the reporting person in shares of common stock in July of 2026, 2028 and 2029 and following the reporting person's separation from service. One-third of this stock option becomes exerciseable on each of the 3rd, 4th, and 5th anniversaries of the grant date. One-third of this stock option becomes exercisable on each of the 3rd, 4th, and 5th anniversaries of the grant date. Closing price of Gallagher common stock on February 28, 2025. One-third of this stock option becomes exercisable on each of the 3rd, 4th, and 5th anniversaries of the grant date. One-third of this stock option becomes exercisable on each of the 3rd, 4th, and 5th anniversaries of the grant date.
Phantom stock exercised 76.382 units Converted into 76.382 shares of common stock on March 31, 2026
Tax-withholding shares 76.382 shares Common shares withheld for taxes at $215.95 per share
Direct common stock holdings 106,709.7558 shares Shares of Arthur J. Gallagher & Co. held directly after transactions
Indirect spouse holdings 3,165 shares Common stock held indirectly by spouse
Indirect 401(k) holdings 491.1310 shares Common stock in Gallagher 401(k) plan account
Notional stock units balance 208,342.0810 units Notional stock units referencing common stock, one right per share
Largest option grant 31,265 shares at $127.90 Non-qualified stock option, expiration March 16, 2028
Highest strike option 13,884 shares at $337.74 Non-qualified stock option, expiration March 1, 2032
Phantom Stock financial
"Each share of phantom stock represents a right to receive one share of Gallagher common stock."
A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.
Notional Stock Units financial
"Each notional stock unit represents a right to receive one share of Gallagher common stock."
Non-qualified Stock Option financial
"Non-qualified Stock Option ... underlying security title Common Stock"
A non-qualified stock option (NSO) is a contract that lets an employee or service provider buy company shares at a fixed price for a set period, like a voucher to purchase stock later at today’s price. It matters to investors because exercising NSOs creates ordinary income for the holder and can increase share count, affecting a company’s earnings and ownership mix; think of it as a future sale that can dilute existing shareholders and has immediate tax consequences for the recipient.
Age 62 Plan financial
"These shares represent awards under the Age 62 Plan, a nonqualified deferred compensation plan of the Company"
nonqualified deferred compensation plan financial
"awards under the Age 62 Plan, a nonqualified deferred compensation plan of the Company"
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
HOWELL DOUGLAS K

(Last)(First)(Middle)
2850 GOLF ROAD

(Street)
ROLLING MEADOWS ILLINOIS 60008-4002

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Arthur J. Gallagher & Co. [ AJG ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
VP & Chief Financial Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
03/31/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock03/31/2026M76.382A$215.95106,786.1378D
Common Stock03/31/2026F76.382D$215.95106,709.7558D
Common Stock3,165IBy Spouse(1)
Common Stock491.131IGallagher 401(k) plan account
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Phantom Stock(2)03/31/2026M76.382 (3) (3)Common Stock76.382$06,866.898D
Notional Stock Units$0(4) (5) (5)Common Stock208,342.081208,342.081D
Notional Stock Units$0(4) (6) (6)Common Stock192,204.2476192,204.2476D
Non-qualified Stock Option$127.9 (7)03/16/2028Common Stock31,26531,265D
Non-qualified Stock Option$228.2 (8)03/01/2033Common Stock20,73720,737D
Non-qualified Stock Option$86.17 (7)03/12/2027Common Stock17,13017,130D
Non-qualified Stock Option$158.56 (7)03/15/2029Common Stock14,54514,545D
Non-qualified Stock Option$337.74(9) (7)03/01/2032Common Stock13,88413,884D
Non-qualified Stock Option$243.54 (10)03/01/2031Common Stock12,72612,726D
Non-qualified Stock Option$177.09 (11)03/15/2030Common Stock12,10712,107D
Explanation of Responses:
1. The reporting person has no voting or invesment power over these shares and disclaims beneficial ownership.
2. Each share of phantom stock represents a right to receive one share of Gallagher common stock.
3. These shares represent awards under the Age 62 Plan, a nonqualified deferred compensation plan of the Company, which have been deemed invested in Company common stock at the election of the reporting person. Participants vest in these awards when they attain age 62, or after a one-year period for participants who have attained age 61.
4. Each notional stock unit represents a right to receive one share of Gallagher common stock.
5. The notional stock units become payable following the reporting person's separation from service with Gallagher.
6. Portions of these notional stock units are payable to the reporting person in shares of common stock in July of 2026, 2028 and 2029 and following the reporting person's separation from service.
7. One-third of this stock option becomes exerciseable on each of the 3rd, 4th, and 5th anniversaries of the grant date.
8. One-third of this stock option becomes exercisable on each of the 3rd, 4th, and 5th anniversaries of the grant date.
9. Closing price of Gallagher common stock on February 28, 2025.
10. One-third of this stock option becomes exercisable on each of the 3rd, 4th, and 5th anniversaries of the grant date.
11. One-third of this stock option becomes exercisable on each of the 3rd, 4th, and 5th anniversaries of the grant date.
Remarks:
The transaction in this report relates solely to the withholding of shares to cover employment taxes with respect to the vesting of shares under the Age 62 Plan.
/s/ Monica Norzagaray, by power of attorney04/02/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What did AJG CFO Douglas Howell do in this Form 4 filing?

Douglas Howell exercised 76.382 phantom stock units into common shares, then had the same number of shares withheld for taxes. These are routine compensation-related entries rather than open-market trades and leave his overall equity position in Arthur J. Gallagher & Co. largely unchanged.

How many Arthur J. Gallagher (AJG) shares does the CFO hold after the transactions?

After the reported transactions, Douglas Howell directly holds 106,709.7558 shares of AJG common stock. He also has indirect holdings through a spouse and a Gallagher 401(k) plan, along with sizeable notional stock units and stock options that reference additional common shares.

Was there any open-market buying or selling of AJG stock by the CFO?

No open-market purchases or sales are reported in this filing. The Form 4 shows an exercise of phantom stock into common shares and a matching tax-withholding disposition, both tied to compensation arrangements rather than discretionary market trades in Arthur J. Gallagher & Co. stock.

What is the significance of the 76.382 AJG shares withheld for taxes?

The 76.382 shares withheld represent a tax-withholding mechanism, not an open-market sale. They were valued at $215.95 per share for tax purposes and used to satisfy obligations linked to the phantom stock exercise, which is common in equity-based executive compensation.

What derivative positions does the AJG CFO still hold after this Form 4?

Douglas Howell continues to hold large notional stock unit balances and multiple non-qualified stock option grants. These options cover tens of thousands of AJG shares at exercise prices between $86.17 and $337.74, with expiration dates ranging from 2027 to 2033, supporting ongoing equity exposure.

How are the AJG CFO’s indirect shareholdings characterized in this filing?

The filing reports indirect AJG common stock holdings through a spouse and a Gallagher 401(k) plan account. A footnote states the reporting person has no voting or investment power over these shares and disclaims beneficial ownership, clarifying his economic and control relationship to those positions.