| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT RD SUITE 200 SIOUX CITY, IA 51106 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 718 SIOUX CITY, IA 511020718 | AMERITAS LIFE INSURANCE CORP | $7K | — | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 21 ROLLING MDWS, IL 600084050 | AMERITAS LIFE INSURANCE CORP | — | $300 | $300 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 16.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT RD SUITE 200 SIOUX CITY, IA 51106 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 NORTHFIELD DR. 2ND FL WINDSOR, CT 06095 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| SELECT NETWORKS3 | 317 6TH AVE. DES MOINES, IA 51106 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $962 | — | $962 | 8.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4280 SERGEANT RD SUITE 200 SIOUX CITY, IA 51106 | EFA EMPLOYEE & FAMILY RESOURCES | $141 | — | $141 | 5.00% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 202 | $998K |
| Dental | AMERITAS LIFE INSURANCE CORP | 0 | $72K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 186 | $84K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 41 | $88K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 0 | $71K |
| Other | EFA EMPLOYEE & FAMILY RESOURCES | 123 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.