| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2345 GRAND BLVD, SUITE 900 KANSAS CITY, MO 64108 | AENTA LIFE INSURANCE CO. | $8K | — | $8K | 1.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2345 GRAND BLVD, SUITE 400 KANSAS CITY, MO 64108 | AENTA LIFE INSURANCE CO. | $2K | — | $2K | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD, SUITE 900 KANSAS CITY, MO 64108 | AETNA HEALTH, INC. | — | $9K | $9K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2345 GRAND BLVD KANSAS CITY, MO 64108 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC. NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 2345 GRAND BLVD, SUITE 900 KANSAS CITY, MO 64108 | $37K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AENTA LIFE INSURANCE CO. | 189 | $519K |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 250 | $90K |
| Vision | SURENCY LIFE AND HEALTH | 73 | $13K |
| Life insurance | AENTA LIFE INSURANCE CO. | 189 | $519K |
| Short-term disability | AENTA LIFE INSURANCE CO. | 189 | $519K |
| Other | AENTA LIFE INSURANCE CO. | 189 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.