| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | METROPOLITAN LIFE INSURANCE COMPANY | $420K | $33K | $452K | 8.76% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE. 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $66K | $112K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $115K | $113K | $227K | 6.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81K | $165K | $246K | 9.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66K | $140K | $205K | 9.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $21K | $41K | 16.74% |
| EMPOWER BENEFITS INC3 | 5405 CYPRESS CENTER DR STE 100 TAMPA, FL 336091024 | VISION SERVICE PLAN | $4K | $27K | $31K | 16.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $13K | $19K | 16.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN HEALTHCARE | BROWN AND BROWN OF PENNSYLVANIA, LP 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | STARR INDEMNITY & LIABILITY COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $4K | $6K | 100.00% |
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 | 8,809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PERSONAL CHOICE 65 | 1 | $5K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 17,146 | $5.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 844 | $188K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,046 | $2.7M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,039 | $2.2M |
| Prescription drug | PERSONAL CHOICE 65 | 1 | $5K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11,000 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,146 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.