| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 4135 C/O AMY WESTERBERG CLINTON, IA 527334135 | METROPOLITAN LIFE INSURANCE COMPANY | $572K | $133K | $705K | 10.63% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE. 300 KIRKWOOD, MO 631224022 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $72K | $136K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $140K | $130K | $270K | 6.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $90K | $180K | $270K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85K | $172K | $257K | 9.05% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EMPOWER BENEFITS INC3 | DBA CORESTREAM 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $132K | $0 | $132K | 28.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $16K | $39K | 8.31% |
| EMPOWER BENEFITS INC3 | 5405 CYPRESS CENTER DR STE 100 TAMPA, FL 336091024 | VISION SERVICE PLAN | $5K | $53K | $58K | 19.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $21K | $41K | 16.65% |
| EMPOWER BENEFITS INC3 | DBA CORESTREAM 3606 ENTERPRISE AVE. SUITE 304 NAPLES, FL 34104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $56K | $0 | $56K | 23.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 460322867 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $13K | $24K | 10.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E. CARMEL DR. STE. 400 C/O AMY WESTERBERG CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $12K | $18K | 16.76% |
| 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 | 10.57% |
| 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 | $0 | $2K | 15.00% |
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 | 10,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,179 | 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 | 18,014 | $6.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,246 | $300K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,014 | $9.5M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,508 | $3.1M |
| Prescription drug | PERSONAL CHOICE 65 | 1 | $5K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 8,670 | $1.4M |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12,200 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,014 | — |
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.