| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $97K | $25K | $122K | 14.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 21 ROLLING MEADOWS, IL 600084050 | AMERITAS LIFE INSURANCE CORP | — | $9K | $9K | 3.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 2807 CLINTON, IA 527332807 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD FL 21 ROLLING MEADOWS, IL 600484050 | AMERITAS LIFE INSURANCE CORP | — | $9K | $9K | 10.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 2807 CLINTON, IA 527332807 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY | $230 | $50 | $280 | 2.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6040 S 58TH ST SUITE E LINCOLN, NE 68516 | SUN LIFE AND HEALTH INSURANCE COMPANY | $123 | — | $123 | 1.14% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 1,289 | $274K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,126 | $84K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 919 | $812K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 919 | $812K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 919 | $812K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 919 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,289 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.