| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | STANDARD INSURANCE COMPANY | $508K | $58K | $567K | 7.17% |
| BUSINESSOLVER.COM, INC.3 | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | $0 | $128K | $128K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $124K | $124K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95148 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $0 | $94K | $94K | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $221K | $12K | $233K | 7.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $420K | $0 | $420K | 22.29% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $169K | $169K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 AUDUBON AVENUE, SUITE E THIBODAUX, LA 70301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $30K | $0 | $30K | 3.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 220 EMERSON PLACE, SUITE 200 DAVENPORT, IA 52801 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST, SUITE BLOOMINGTON, MN 55431 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | THE GALLAGHER CENTER 2 PIERCE PLACE ITASCA, IL 60143 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 14707 CALIFORNIA STREET, SUITE 9 OMAHA, NE 68154 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 330 EVERGREEN ROAD, SUITE 2 LOUISVILLE, KY 40243 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 WEST 4TH STREET, SUITE 1300 CINCINNATI, OH 45202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 9442 CAPITAL OF TEXAS HIGHWAY NORTH SUITE 950 AUSTIN, TX 78759 | NATIONWIDE | $413 | $0 | $413 | 7.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 9442 CAPITAL OF TEXAS HIGHWAY NORTH SUITE 950 AUSTIN, TX 78759 | CRUM & FORSTER | $20 | $0 | $20 | 7.97% |
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 | 19,972 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE | 19,972 | $5K |
| Dental | DELTA DENTAL OF IOWA | 7,218 | $3.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 10,943 | $847K |
| Life insurance | STANDARD INSURANCE COMPANY | 19,446 | $7.9M |
| Short-term disability | STANDARD INSURANCE COMPANY | 19,446 | $7.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 19,446 | $7.9M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 19,446 | $9.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,972 | — |
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.