| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 658102434 | RELIANCE STANDARD INSURANCE COMPANY | $18K | — | $18K | 14.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E. CARMEL DR., STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD INSURANCE COMPANY | $3K | $4K | $6K | 5.04% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 658102434 | GUARDIAN | $11K | $7K | $18K | 22.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ATTN AMY WESTERBERG 650 E. CARMEL DR., STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $4K | $6K | 9.96% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.04% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 658102434 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 14.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INS | ATTN AMY WESTERBERG 650 E CARMEL DR., STE. 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $846 | $2K | 5.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 VENDOR | Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $224K |
| DELTA DENTAL EIN 43-0908349 VENDOR | Contract Administrator; Claims processing Service code 12 | PO BOX 790320 ST LOUIS, MO 63179 | $27K |
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 | 432 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 616 | $124K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 405 | $59K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 616 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.