| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 2107 SOUTH NEIL ST PO BOX 4016 CHAMPAIGN, IL 61820 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 9.99% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 2107 SOUTH NEIL STREET PO BOX 4016 CHAMPAIGN, IL 61820 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.29% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC | PO BOX 203991 DALLAS, TX 753203991 | VISION SERVICES PLAN | $1K | — | $1K | 5.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 10 SOUTH WACKER STREET FLOOR 17 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 1401 SOUTH BRENTWOOD BLVD STE 625 ST. LOUIS, MO 63144 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $688 | — | $688 | 3.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 2107 SOUTH NEIL STREET PO BOX 4016 CHAMPAIGN, IL 61820 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $808 | — | $808 | 14.99% |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $17K |
| Vision | VISION SERVICES PLAN | 195 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 403 | $99K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 393 | $47K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 403 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.