| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR BATON ROUGE, LA 70810 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $7K | $18K | 5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR BATON ROUGE, LA 708106056 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $18K | — | $18K | 18.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR BATON ROUGE, LA 708106056 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR BATON ROUGE, LA 708106056 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1623 9TH STREET SUITE A AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $10K | — | $10K | 15.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | SVCS INC 1611 10TH STREET AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $1K | — | $1K | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | — | $147 | $147 | 0.23% |
| WORKPLACE BENEFITS CONSULTANTS3 | P.O. BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $68 | — | $68 | 0.11% |
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 | 633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,640 | $350K |
| Vision | VISION SERVICE PLAN | 476 | $98K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,646 | $95K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 376 | $79K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,646 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,646 | — |
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.