| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | GUARDIAN | $14K | $2K | $16K | 22.68% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 17.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | GALLAGHER BENEFIT SERVICE, INC 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | GALLAGHER BENEFIT SERVICES, INC 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.14% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 23.94% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | GALLAGHER BENEFIT SERVICES, INC 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $725 | — | $725 | 5.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 VENDOR | Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $215K |
| DELTA DENTAL EIN 43-0908349 VENDOR | Contract Administrator; Claims processing Service code 12 | PO BOX 790320 ST LOUIS, MO 63179 | $28K |
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 | 558 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 560 | $96K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 172 | $95K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 560 | $73K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 560 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.