| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $206K | $489K | $696K | 8.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | DBA INSURANCE POINT AGENCY LLC 181 E. 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $249K | $482K | $732K | 14.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182K | $359K | $541K | 14.84% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS LLC | 3606 ENTERPRISE AVENUE #304 NAPLES, FL 341043608 | METROPOLITAN LIFE INSURANCE COMPANY | $309K | $4K | $312K | 12.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $62K | $91K | 15.62% |
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 | 24,653 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 63,350 | $2.6M |
| Dental | DELTA DENTAL OF INDIANA | 46,782 | $12.0M |
| Vision | EYEMED VISION CARE | 39,092 | $2.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 25,237 | $5.0M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16,685 | $8.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28,316 | $3.6M |
| Prescription drug | SIHO | 63,350 | $0 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 54,128 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63,350 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.