| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 2807 CLINTON, IA 52733 | AMERITAS LIFE INSURANCE CORPORATION | $32K | $3K | $35K | 10.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | UNUM INSURANCE COMPANY | $75K | $0 | $75K | 66.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $6K | $6K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4622 PENNSYLVANIA AVENUE, SUITE 920 KANSAS CITY, MO 64112 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 12.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | VISION BENEFITS OF AMERICA | $888 | $0 | $888 | 1.37% |
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 | 1,452 | 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) | 1,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 2,758 | $318K |
| Vision | VISION BENEFITS OF AMERICA | 914 | $65K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,949 | $67K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,949 | $67K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,949 | $67K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 1,949 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,758 | — |
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.