| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 Filed as: SAUL LOCKER | 1099 18TH ST STE 2870 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | — | $69K | $69K | 5.64% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $38K | $38K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $38K | — | $38K | 8.00% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC. | 4 PPG PL STE 600 PITTSBURGH, PA 152225430 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 9.06% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $19K | $19K | 8.00% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC. | 4 PPG PL STE 600 PITTSBURGH, PA 152225430 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 5.60% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC. | 4 PPG PL STE 600 PITTSBURGH, PA 152225430 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 1.40% |
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 | 6,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 720 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 46 | $334K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 6,984 | $4.4M |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 10,005 | $1.2M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 6,588 | $2.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,990 | $1.2M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 46 | $334K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,104 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,005 | — |
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."
No prospect flags tripped on this filing.