| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 12444 POWERSCOURT DR., STE 500 ST. LOUIS, MO 63131 | GUARDIAN | $99K | — | $99K | 21.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES, INC. | 215 SOUTHWIND STE 1B MANHATTAN, KS 66503 | GUARDIAN | $0 | $11K | $11K | 2.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 215 SOUTHWIND PL STE 1B MANHATTAN, KS 665033173 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $3K | $22K | 16.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE | $16K | — | $16K | 16.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT INC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 424 1ST AVENUE NE CEDAR RAPIDS, IA 52401 | $285K |
| AETNA NONE | Direct payment from the plan; Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 061560001 | $281K |
| GALLAGHER BENEFIT SERVICES, INC. NONE | Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 22 | 12444 POWERSCOURT DR., SUITE 500 ST. LOUIS, MO 63131 | $152K |
| EMPIRX EIN 22-1458594 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $105K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $21K |
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 | 1,034 | 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) | 1,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 88 | $82K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 981 | $132K |
| Life insurance | GUARDIAN | 466 | $472K |
| Short-term disability | GUARDIAN | 466 | $472K |
| Long-term disability | GUARDIAN | 466 | $472K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE - SUMMIT REINSURANCE | 1,034 | $464K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 873 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,034 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.