| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2345 GRAND BLVD, SUITE 400 KANSAS CITY, MO 64108 | AENTA LIFE INSURANCE CO. | — | $5K | $5K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST. N., SUITE 100 WICHITA, KS 67226 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $64 | $5K | 6.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST. N., SUITE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 14.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 8110 E. 32ND ST. NORTH, SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 9.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST. N., SUITE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 16.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST. N., SUITE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $394 | — | $394 | 20.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC. EIN 36-4291971 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 2345 GRAND BLVD, SUITE 400 KANSAS CITY, MO 64108 | $43K |
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. | 80 | $374K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $71K |
| Vision | SURENCY LIFE AND HEALTH | 89 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $7K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $30K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.