| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD, 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $251K | $36K | $286K | 17.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | DELTA DENTAL PLAN OF ARKANSAS | $68K | — | $68K | 9.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6325 RANCH DRIVE LITTLE ROCK, AR 72223 | RELIASTAR LIFE INSURANCE COMPANY | $108K | — | $108K | 25.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 2.19% |
| T2B SOLUTIONS INC.3 | 1214 N B ST INDIANOLA, IA 501250043 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 9.92% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INS & FINANCIAL SERVICES LLP | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE SUITE 202 FORT SMITH, AR 72903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.98% |
| USB HEALTH LLC3 | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $648 | — | $648 | 0.79% |
| BRIAN EDWARD JUND3 | 34 FALKNER DR LADERA RANCH, CA 926940925 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $455 | — | $455 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $231 | $231 | 0.28% |
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 | 992 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 2,135 | $743K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,913 | $124K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,339 | $1.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,339 | $1.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,339 | $1.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,339 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,339 | — |
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.