| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W. 4TH STEET, SUITE #1300 CINCINNATI, OH 45202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $13K | 9.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 750 THIRD AVE- SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W. 4TH STREET, SUITE #1300 CINCINNATI, OH 45202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 8.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 750 THIRD AVENUE - SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W 4TH STREET, SUITE #1300 CINCINNATI, OH 45202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 19.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 750 THIRD AVENUE-SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $627 | — | $627 | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | $4K | — | $4K | 9.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W 4TH STREET, SUITE #1300 CINCINNATI, OH 45202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $575 | $3K | 16.05% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVE - SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $103 | — | $103 | 0.50% |
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 | 863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | 618 | $43K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 863 | $141K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,023 | $103K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 863 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.