| 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 | $471K | $194K | $665K | 9.06% |
| BUSINESSOLVER.COM, INC.3 | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | $0 | $146K | $146K | 1.99% |
| TIVIAN3 | PO BOX 23504 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $0 | $10K | $10K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $225K | $11K | $236K | 7.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $398K | $0 | $398K | 22.18% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $162K | $162K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 WEST 4TH STREET, SUITE 1300 CINCINNATI, OH 45202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $80K | $0 | $80K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 CAPITAL OF TEXAS HIGHWAY NORTH SUITE 950 AUSTIN, TX 78759 | NATIONWIDE | $834 | $0 | $834 | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9442 CAPITAL OF TEXAS HIGHWAY NORTH SUITE 950 AUSTIN, TX 78759 | CRUM & FORSTER | $36 | $0 | $36 | 7.96% |
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 | 24,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE | 24,197 | $10K |
| Dental | DELTA DENTAL OF IOWA | 6,706 | $3.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 10,397 | $796K |
| Life insurance | STANDARD INSURANCE COMPANY | 18,860 | $7.3M |
| Short-term disability | STANDARD INSURANCE COMPANY | 18,860 | $7.3M |
| Long-term disability | STANDARD INSURANCE COMPANY | 18,860 | $7.3M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 18,860 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,197 | — |
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.