| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SVC USA INC | PO BOX 23510 DALLAS, TX 75320 | HUMANA | $17K | — | $17K | 9.99% |
| IBSI HOLDINGS INC | PO BOX 24337 WINSTON SALEM, NC 27114 | HUMANA | $8K | — | $8K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SVC USA INC | PO BOX 23510 DALLAS, TX 75320 | HUMANA | $4K | — | $4K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SVC USA INC | 400 HWY 169, 8TH FLOOR ST LOUIS PARK, MN 55426 | US ABLE LIFE | $6K | — | $6K | 18.97% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | US ABLE LIFE | $2K | — | $2K | 6.32% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 216 | $167K |
| Life insurance | US ABLE LIFE | 310 | $31K |
| Long-term disability | US ABLE LIFE | 310 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.