| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 95287 CHICAGO, IL 60694 | MEDICA | $29K | $2K | $31K | 5.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLAND DR BATON TOUGE, LA 708106056 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITSERVICES INC | 1623 9TH STREET SUITE A AURORA, NE 68818 | ALLSTATE BENEFITS | $3K | — | $3K | 7.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1623 9TH STREET SUITE A AURORA, NE 68818 | ALLSTATE BENEFITS | $3K | — | $3K | 7.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFIT SERVICES INC | 1623 9TH STREET SUITE A AURORA, NE 68818 | ALLSTATE BENEFITS | $2K | — | $2K | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1623 9TH STREEET SUITE A AURORA, NE 68818 | ALLSTATE BENEFITS | $1K | — | $1K | 3.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE BENEFITS | — | $77 | $77 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE BENEFITS | — | $45 | $45 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE BENEFITS | — | $35 | $35 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE BENEFITS | — | $27 | $27 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VENEFIT SERVICES | 10050 REGENCY CIRCLE STE 300 OMAHA, NE 68114 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12444 POWERSCOURT DRIVE SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $839 | $2K | 16.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | TRUSTMARK LIFE INSURANCED COMPANY | $533 | — | $533 | 5.50% |
| STRONG FINANCIAL RESOURCES INC3 Filed as: STRONG FINANCIAL RESOURCES | 1611 10TH ST AURORA, NE 68818 | COMPANION LIFE | $935 | — | $935 | 13.74% |
| DIRECT BENEFITIS INC3 | 55 E 5TH STREET 500 SAINT PAUL, MN 55101 | COMPANION LIFE | $344 | — | $344 | 5.06% |
| GCG FINANCIAL LLC3 Filed as: DIRECT BENEFITS; AN ALERA GROUP | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | COMPANION LIFE | $124 | — | $124 | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH ST AURORA, NE 688181234 | EMC NATIONAL LIFE COMPANY | $554 | — | $554 | 10.01% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA | 71 | $628K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $75K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $75K |
| Life insurance(7 contracts, 7 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $151K |
| Long-term disability | ALLSTATE BENEFITS | 33 | $37K |
| Other(4 contracts, 4 carriers) | ALLSTATE BENEFITS | 33 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.