| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 E. CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $99K | — | $99K | 13.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 E. CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $84K | — | $84K | 14.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SOLUTIONS | 650 E. CARMEL DR, STE 400 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $33K | — | $33K | 13.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH ROAD BLOOMFIELD HILLS, MI 48302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $26K | — | $26K | 11.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH ROAD BLOOMFIELD HILLS, MI 48302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $89 | — | $89 | 12.09% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 1,711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,354 | $230K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 1,605 | $945K |
| Short-term disability | STANDARD INSURANCE COMPANY | 721 | $318K |
| Long-term disability | STANDARD INSURANCE COMPANY | 989 | $601K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 1,605 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,354 | — |
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.