| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $15K | — | $15K | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | DELTA DENTAL OF MINNESOTA | $13K | — | $13K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | EYE MED | $2K | — | $2K | 5.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $255 | $255 | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $133 | $133 | 2.01% |
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 | 1,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 1,130 | $285K |
| Vision | EYE MED | 860 | $30K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 991 | $106K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 940 | $212K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 987 | $101K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 1,947 | $603K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 991 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,947 | — |
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."
No prospect flags tripped on this filing.