| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 12750 MERIT DRIVE SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $96K | $129K | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91K | $0 | $91K | 13.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $15K | $0 | $15K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 1.26% |
| BUISINESSOLVER.COM, INC.3 | 1025 ASHWORTH RD WEST DESMOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $399 | $399 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2800 LIVERNOIS SUITE 275 TROY, MI 48083 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5420 LYNDON B JOHNSON FWY STE 400 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $65 | $65 | 0.04% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 W DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 15.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD CHICAGO, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $0 | $60K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD ROLLING MEADOW, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | — |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | — |
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 | 2,205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 66 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $54K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,008 | $2.7M |
| Vision | VISION SERVICE PLAN | 1,889 | $296K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,221 | $773K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,008 | $2.7M |
| Other(6 contracts, 5 carriers) | METLIFE LEGAL PLANS | 3,643 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,643 | — |
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.