| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FL 4 GBS FINANCE 0 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $41K | — | $41K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $5K | $40K | 12.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24K | $24K | 7.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $5K | $40K | 12.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24K | $24K | 7.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $4K | $32K | 12.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 7.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1246 S THIRD STREET LOUISVILLE, KY 40203 | RELIASTAR LIFE INSURANCE CO | $15K | — | $15K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE CO | — | $12K | $12K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FL 4 GBS FINANCE 0 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $10K | — | $10K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $615 | $5K | 12.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | $3K | $3K | 7.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY INC EIN 61-1237516 SERVICES, FEES FOR ADMIN | Other services; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $701K |
| GALLAGHER BENEFIT SERVICES INC. BROKER | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions Service code 22 | TWO PIERCE PLACE ITASCA, IL 60143 | $14K |
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 | 1,188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,423 | $412K |
| Vision | DELTA DENTAL OF KENTUCKY | 1,193 | $98K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,188 | $257K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $313K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,061 | $317K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,478 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,478 | — |
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.
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.