| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | MEDICA INSURANCE COMPANY | $26K | $2K | $28K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1623 9TH STREET, SUITE A AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 19.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $895 | $895 | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 7441 O STREET, SUITE 102 LINCOLN, NE 68514 | STANDARD INSURANCE COMPANY | $2K | $661 | $3K | 10.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $381 | $2K | 12.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $1K | $161 | $1K | 11.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | TRUSTMARK LIFE INSURANCE COMPANY | $454 | $0 | $454 | 5.50% |
| STRONG FINANCIAL RESOURCES INC3 Filed as: STRONG FINANCIAL RESOURCES, INC. | 7634 EAST SUMMIT TRAIL STREET MESA, AZ 85207 | COMPANION LIFE INSURANCE COMPANY | $887 | $0 | $887 | 13.89% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | COMPANION LIFE INSURANCE COMPANY | $443 | $0 | $443 | 6.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1623 9TH STREET, SUITE A AURORA, NE 68818 | EMC NATIONAL LIFE | $32 | $0 | $32 | 0.87% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 62 | $622K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $79K |
| Life insurance(7 contracts, 7 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $152K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 32 | $38K |
| Prescription drug | MEDICA INSURANCE COMPANY | 62 | $622K |
| Other(6 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.