| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | STANDARD INSURANCE COMPANY | $0 | $50K | $50K | 3.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1000 E WARRENVILLE RD #230 NAPERVILLE, IL 60563 | STANDARD INSURANCE COMPANY | $32K | $0 | $32K | 2.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | TWO EMBARCADERO CENTER 17TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3700 EMBASSY PKWY STE 160 AKRON, OH 44333 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 0.32% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | STANDARD INSURANCE COMPANY | $0 | $48K | $48K | 3.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1000 E WARRENVILLE RD #230 NAPERVILLE, IL 60563 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 1.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | TWO EMBARCADERO CENTER 17TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3700 EMBASSY PKWY STE 160 AKRON, OH 44333 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 0.32% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | STANDARD INSURANCE COMPANY | $0 | $16K | $16K | 3.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3700 EMBASSY PKWY STE 160 AKRON, OH 44333 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1000 E WARRENVILLE RD #230 NAPERVILLE, IL 60563 | STANDARD INSURANCE COMPANY | $98K | $0 | $98K | 24.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3700 EMBASSY PKWY STE 160 AKRON, OH 44333 | STANDARD INSURANCE COMPANY | $0 | $14K | $14K | 3.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | TWO EMBARCADERO CENTER 17TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 3.11% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | PO BOX 860470 MINNEAPOLIS, MN 554860470 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 0.37% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $26K | $26K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - MOUNTAIN | WEST SERIES, DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $0 | $582 | $582 | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES CA | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 912033944 | METLIFE LEGAL PLANS | $0 | $293 | $293 | 0.47% |
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 | 4,432 | 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) | 4,432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 4,432 | $1.4M |
| Short-term disability | STANDARD INSURANCE COMPANY | 636 | $441K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,014 | $1.3M |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 4,722 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,722 | — |
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.