| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $3K | $24K | 20.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DR., STE. 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $4K | $7K | 6.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DR., STE.400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $241 | $241 | 0.21% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 65810 | GUARDIAN | $19K | $4K | $23K | 26.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DR., STE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $4K | $7K | 12.56% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $841 | $5K | 7.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DR., STE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $466 | $466 | 0.81% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $532 | $6K | 17.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DR., STE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $761 | $2K | 5.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E CARMEL DR., STE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $77 | $77 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 VENDOR | Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $243K |
| DELTA DENTAL EIN 43-0908349 VENDOR | Claims processing; Contract Administrator 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 | 471 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 565 | $115K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 182 | $124K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 443 | $58K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 565 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.