| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGNC | 600 JEFFERSON STREET-STE 200 LAFAYETTE, LA 70501 | BLUECROSS BLUESHIELD OF OKLAHOMA | $50K | $1K | $52K | 5.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST INS AGNY | 600 JEFFERSON STREET-STE 200 LAFAYETTE, LA 70501 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 12.43% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.69% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE-SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.90% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, FL 5 ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | -$58 | — | -$58 | -0.04% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 302 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $148K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $148K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $148K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $148K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.