| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 N CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | SYMETRA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 11.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 1931 GEORGETOWN ROAD SUITE 200 HUDSON, OH 44236 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4201 WESTOWN PARKWAY #120 WEST DES MOINES, IA 50266 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.42% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MD AMERICA INSURANCE SERVICES | PO BOX 842167 DALLAS, TN 75284 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.75% |
| NATIONAL BENEFITS CENTER LLC3 | 3700 PARK E DRIVE #350 BEACHWOOD, OH 44122 | SYMETRA LIFE INSURANCE COMPANY | — | $940 | $940 | 1.04% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | SYMETRA LIFE INSURANCE COMPANY | 759 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.