| 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 | DELTA DENTAL OF MINNESOTA | $18K | — | $18K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.2 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.0 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | EYE MED | $2K | — | $2K | 4.09% |
| GALLAGHER BENEFIT SERVICES, INC.6 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $410 | $410 | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD. WEST #500 BLOOMINGTON, MN 55431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $179 | $179 | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | EYE MED | $16 | — | $16 | 4.43% |
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 | 1,109 | 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) | 1,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 1,328 | $356K |
| Vision(2 contracts) | EYE MED | 1,048 | $49K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,250 | $130K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,232 | $276K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,250 | $140K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 2,227 | $975K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,250 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,227 | — |
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.