| 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 | $29K | — | $29K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SVC USA INC | PO BOX 23510 DALLAS, TX 75320 | HUMANA | $2K | — | $2K | 1.03% |
| 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 | $10K | — | $10K | 15.00% |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | US ABLE LIFE | $3K | — | $3K | 5.00% |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 233 | $196K |
| Life insurance | US ABLE LIFE | 320 | $66K |
| Long-term disability | US ABLE LIFE | 320 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.