| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 601146 CHARLOTTE, NC 28202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA, INC. | P.O. BOX 23510 DALLAS, TX 75320 | HUMANADENTAL INSURANCE COMPANY | $18K | $2K | $20K | 10.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA, INC. | P.O. BOX 203510 DALLAS, TX 75320 | VISION SERVICE PLAN | $2K | — | $2K | 3.92% |
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 | 535 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 402 | $183K |
| Vision | VISION SERVICE PLAN | 383 | $44K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 667 | $294K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 667 | $294K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 667 | $294K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 667 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.