| 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 | — | $67K | $67K | 4.97% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $44K | $44K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $44K | — | $44K | 8.00% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC. | 4 PPG PL STE 600 PITTSBURGH, PA 152225430 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 2.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $20K | $20K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 5.60% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC. | 4 PPG PL STE 600 PITTSBURGH, PA 152225430 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 1.40% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 8.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 436234615 | RELIASTAR LIFE INSURANCE COMPANY | — | $17K | $17K | 8.00% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC. | 4 PPG PL STE 600 PITTSBURGH, PA 152225430 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
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 | 6,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 649 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 36 | $341K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 7,532 | $4.6M |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 10,510 | $1.3M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 6,786 | $2.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,110 | $1.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 36 | $341K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,830 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,510 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.