| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER A&P | 2850 ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $26K | $26K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $14K | $21K | 3.20% |
| SOLUTIONS, INC. EMPYREAN B3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $8K | $15K | 4.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 4.00% |
| SOLUTIONS, INC. EMPYREAN B3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 15 SOUTH 5TH STREET SUITE 300 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $10K | 5.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PARK CENTRAL 7 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $2K | $18K | 17.76% |
| SOLUTIONS, INC. EMPYREAN B3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $16K | 16.36% |
| SOLUTIONS, INC. EMPYREAN B3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 16.78% |
| SOLUTIONS, INC. EMPYREAN B3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IA 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 17.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER A&P | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| SOLUTIONS, INC. EMPYREAN B3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $894 | $7K | 17.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER A&P | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| SOLUTIONS, INC. EMPYREAN B3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $859 | $859 | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E. CARMEL DRIVE SUITE 400 CARMEL, IA 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $502 | $4K | 17.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER A&P | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $890 | $890 | 4.00% |
| SOLUTIONS, INC. EMPYREAN B3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $445 | — | $445 | 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 | 1,330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,184 | $170K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,184 | $170K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,330 | $644K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 401 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,330 | $364K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,330 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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.