| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD, STE 400 KANSAS CITY, MO 64108 | AMERITAS LIFE INSURANCE CORP. | $38K | — | $38K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | OFFICE PARK STE 310 50 BRAINTREE HILL BRAINTREE, MA 02184 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD, STE 400 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD, STE 800 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | — | $26K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD, STE 800 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET ST, STE 1100 ST LOUIS, MO 63101 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2345 GRAND BLVD SUITE 400 KANSAS CITY, MO 64108 | VISION BENEFITS OF AMERICA | $941 | — | $941 | 1.95% |
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 | 1,167 | 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) | 1,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 2,039 | $379K |
| Vision | VISION BENEFITS OF AMERICA | 726 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 624 | $232K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 609 | $174K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 487 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,039 | — |
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.