| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $27K | $27K | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 78.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, ID 601433141 | HARTFORD LIFE AND ACCIDENT | — | $51 | $51 | 0.49% |
| RONALD DUTTON3 Filed as: RONALD J DUTTON | 9401 INDIAN CREEK PARKWAY SUITE 1050 OVERLAND PARK, KS 66210 | HARTFORD LIFE AND ACCIDENT | -$7K | — | -$7K | -68.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 80.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 601433141 | HARTFORD LIFE AND ACCIDENT | $390 | — | $390 | 21.75% |
| RONALD DUTTON3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 662102008 | HARTFORD LIFE AND ACCIDENT | -$1K | — | -$1K | -71.00% |
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 | 8,884 | 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) | 8,884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,884 | $882K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,884 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.