| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES, INC. | 3600 AMERICAN BLVD W SUITE 500 MINNEAPOLIS, MN 55431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $11K | $24K | 6.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 2245 N BANK DR COLUMBUS, OH 43220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES, INC. | 21ST FL, TWO PIERCE PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $420 | $1K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES, INC. | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $651 | $651 | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES, INC. | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC. | 1001 LAKESIDE AVENUE SUITE 1500 CLEVELAND, OH 44114 | VISION BENEFITS OF AMERICA | $978 | — | $978 | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 21ST FL, TWO PIERCE PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $680 | — | $680 | 7.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES, INC. | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $23 | $23 | 0.27% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 321 | $396K |
| Vision | VISION BENEFITS OF AMERICA | 252 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 321 | $396K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $86K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 321 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.