| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12444 POWERSCOURT DRIVE SUITE 500 SAINT LOUIS, MO 63131 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $7K | $37K | 11.85% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $19K | $19K | 6.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 2.64% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA SPIRE | 2101 MCCULLOUGH AVENUE SUITE 210 SAN ANTONIO, TX 78212 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12444 POWERSCOURT DRIVE ST LOUIS, MO 63131 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.66% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12444 POWERSCOURT DRIVE ST LOUIS, MO 63131 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12444 POWERSCOURT DRIVE ST LOUIS, MO 63131 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $8K | $1K | $9K | 20.68% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | $1K | $2K | 5.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $899 | $899 | 6.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12444 POWERSCOURT DRIVE ST LOUIS, MO 63131 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $642 | $110 | $752 | 17.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $214 | — | $214 | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $98 | $98 | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $244 | — | $244 | 15.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $114 | $114 | 7.02% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $316K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 291 | $316K |
| Life insurance(2 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 403 | $56K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 398 | $96K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 156 | $62K |
| Other(5 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.