| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICES | 6300 SOUTH SYRACUSE WAY, SUITE 495 CENTENNIAL, CO 80111 | SYMETRA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $315 | $315 | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $428 | $0 | $428 | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $108 | $0 | $108 | 0.75% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS, LLC | 100 OTTAWA AVENUE GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 31.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS MEMORIAL BOULEVARD SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $166 | $0 | $166 | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VCP SERVICES, INC. | $1K | $0 | $1K | 10.00% |
| KANSAS HEALTH SERVICE CORP3 Filed as: KANSAS HEALTH SERVICE CORPORATION | UNKNOWN HIAWATHA, KS 66434 | MASA GLOBAL EMERGENCY TRANSPORT | $801 | $0 | $801 | 8.10% |
| MASA AGENT3 | UNKNOWN HIAWATHA, KS 66434 | MASA GLOBAL EMERGENCY TRANSPORT | $684 | $0 | $684 | 6.91% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 98 | $25K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 236 | $39K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 236 | $39K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 236 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.