| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $13K | $20K | 8.96% |
| DAN L OAKLAND3 | 1730 ALDER DR GREAT FALLS, ID 59404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 8.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 900 PANCHERI DRIVE SUITE B IDAHO FALLS, ID 83402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $7K | $11K | 8.82% |
| DAN L OAKLAND3 Filed as: DAN OAKLAND | 1730 ALDER DRIVE GREAT FALLS, ID 59404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 900 PANCHERI DRIVE SUITE B IDAHO FALLS, ID 83402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 18.99% |
| DAN L OAKLAND3 Filed as: DAN OAKLAND | 1730 ALDER DRIVE GREAT FALLS, MT 59404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUTAIN STATES | 900 PANCHERI DRIVE SUITE B IDAHO FALLS, ID 83402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 2200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $451 | $451 | 2.28% |
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 | 769 | 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) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 769 | $243K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $125K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 769 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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."
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.