| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3600 AMERICAN BLVD W., SUITE 500 BLOOMINGTON, MN 55431 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3600 AMERICAN BLVD W, STE 500 BLOOMINGTON, MN 55431 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3600 AMERICAN BLVD W., SUITE 500 BLOOMINGTON, MN 55431 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3600 AMERICAN BLVD W., SUITE 500 BLOOMINGTON, MN 55431 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $617 | $617 | 2.51% |
| WEBER ASSOCIATES, INC.4 | 8225 OREGON RD BLOOMINGTON, MN 55438 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 16.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 3600 AMERICAN BLVD W., SUITE 500 BLOOMINGTON, MN 55431 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 734 | $43K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $685K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 513 | $481K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 513 | $191K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 589 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.