| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10001 WOODLOCH FOREST DRIVE SUITE 175 SPRING, TX 77380 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $184K | $0 | $184K | 14.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | $20K | $91K | 7.65% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESERACH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $88K | $88K | 7.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10001 WOODLOCH FOREST DRIVE SUITE 175 SPRING, TX 77380 | COMBINED INSURANCE | $92K | $0 | $92K | 15.62% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | UNKNOWN OAK BROOK, IL 60523 | COMBINED INSURANCE | $32K | $0 | $32K | 5.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESERACH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 3.00% |
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 | 4,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 190 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 930 | $3.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,240 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,856 | $230K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,076 | $1.8M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,076 | $1.2M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,076 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 930 | $3.2M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,076 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,076 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.