| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $403K | $480K | $883K | 23.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | SURENCY LIFE AND HEALTH | $45K | $0 | $45K | 10.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.16% |
| EBC, INC.3 Filed as: EBC INC. | PO BOX 20443 INDIANAPOLIS, IN 46220 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 3.07% |
| CENTURY HEALTH SOLUTIONS3 | PO BOX 1676 TOPEKA, KS 66601 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 2.06% |
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 | 4,745 | 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) | 4,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 4,745 | $447K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,745 | $3.9M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,745 | $3.7M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,745 | $3.7M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,745 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,745 | — |
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.