| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | STANDARD INSURANCE COMPANY | $410K | $113K | $524K | 12.76% |
| BUSINESSOLVER.COM, INC.3 | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | $0 | $158K | $158K | 3.86% |
| TIVIAN3 | PO BOX 23504 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $0 | $29K | $29K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $177K | $12K | $189K | 7.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $328K | $36K | $364K | 22.19% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $148K | $148K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $67K | — | $67K | 10.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $40K | $0 | $40K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | NATIONWIDE | $1K | $0 | $1K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 NORTH CAPITAL OF TEXAS HIGHWAY PLAZA 1, SUITE 950 AUSTIN, TX 78759 | CRUM & FORSTER | $50 | $0 | $50 | 8.03% |
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 | 18,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE | 18,541 | $13K |
| Dental | DELTA DENTAL OF IOWA | 6,289 | $2.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 9,556 | $670K |
| Life insurance | STANDARD INSURANCE COMPANY | 17,781 | $4.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 17,781 | $4.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 17,781 | $4.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 17,781 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,541 | — |
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.