| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 4.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 4.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $550 | $4K | 11.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $461 | $228 | $689 | 4.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $257 | — | $257 | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | $18 | $191 | 3.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | $13 | $86 | 17.66% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NEW DIRECTIONS BEHAVIORAL HEALTH | 684 | $19K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $49K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $67K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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.