| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 WASHINGTON MALL, SUITE 1300 CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 16.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.02% |
| STEPPING STONES UNLIMITED, INC.5 | 1220 6TH AVENUE DAYTON, KY 41074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 4.13% |
| STEPPING STONES UNLIMITED, INC.3 | 1220 6TH AVENUE DAYTON, KY 41074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 11.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 9.96% |
| STEPPING STONES UNLIMITED, INC.3 | 1220 6TH AVENUE DAYTON, KY 41074 | TRUSTMARK INSURANCE COMPANY | $415 | $0 | $415 | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 EAST 4TH STREET, SUITE 625 CINCINNATI, OH 45202 | TRUSTMARK INSURANCE COMPANY | $276 | — | $276 | 2.02% |
| STEPPING STONES UNLIMITED, INC.3 | 1220 6TH AVENUE DAYTON, KY 41074 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $297 | $1K | 10.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $665 | $186 | $851 | 6.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.27% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 247 | $78K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 218 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $140K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $126K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.