| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DR. STE 350 CARMEL, IN 46032 | HARTFORD LIFE AND ACCIDENT | $184K | $46K | $230K | 10.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DR. SUITE 350 CARMEL, IN 46032 | HARTFORD LIFE AND ACCIDENT | — | $38K | $38K | 1.82% |
| BPC CLIENT SERVICES3 | 7818 BIG SKY DRIVE SUITE 112 MADISON, WI 53719 | HARTFORD LIFE AND ACCIDENT | — | $23K | $23K | 1.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $121K | $30K | $151K | 8.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | $15K | $81K | 7.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $15K | $40K | 5.62% |
| STANLEY MCDONALD AGENCY OF ILLINOIS3 Filed as: STANLEY MCDONALD AGENCY | 3167 BERLIN DRIVE LA CROSSE, WI 54601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUARTZ HEALTH SOLUTIONS INC EIN 46-5710709 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $1.5M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $208K |
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 | 7,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 550 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,177 | $1.7M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,942 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,690 | $2.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,177 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,177 | — |
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.