| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | RELIASTAR LIFE INSURANCE COMPANY | $62K | $0 | $62K | 15.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | RELIASTAR LIFE INSURANCE COMPANY | $44K | $0 | $44K | 10.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | AMERICAN UNITED LIFE INSURANCE COMPANY | $40K | $11K | $50K | 18.66% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $32K | $32K | 12.00% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $51K | $0 | $51K | 31.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 545 METRO PLACE SOUTH, SUITE 150 DUBLIN, OH 43017 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $41K | $0 | $41K | 25.76% |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE COMPANY | 1,068 | $76K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 927 | $431K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 927 | $270K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 927 | $836K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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.