| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL | $2K | — | $2K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD #200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $977 | $3K | 6.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD #200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $567 | $2K | 6.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD #200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $579 | $2K | 7.78% |
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O ST LINCOLN, NE 60008 | AMERITAS | $2K | — | $2K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 21 ROLLING MEADOWS, IL 60008 | AMERITAS | — | $52 | $52 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD #200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $462 | $462 | 2.66% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 10672 BLOOMINGDALE AVE. RIVERVIEW, FL 33578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $721 | — | $721 | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT ROAD #200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26 | $34 | $60 | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37 | — | $37 | 2.94% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 306 | $128K |
| Vision | AMERITAS | 119 | $19K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $47K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $42K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $31K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.