| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET, SUITE 100 WICHITA, KS 67226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 6.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLAND DRIVE MT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $28K | $28K | 3.52% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 3.28% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $3K | — | $3K | 3.12% |
| EOI SERVICE COMPANY INC3 | 1820 E 1 ST, NO 400 SANTA ANA, CA 92705 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $531 | — | $531 | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLANK PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $703 | $28 | $731 | 20.78% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 554 | $89K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 953 | $806K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 953 | $788K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 953 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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.