| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $117K | $0 | $117K | 12.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $58K | $0 | $58K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, IA 37207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $0 | $37K | 18.50% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $17K | $0 | $17K | 10.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IA 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $201 | $2K | 10.04% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $412 | $412 | 1.76% |
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 | 921 | 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) | 921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 921 | $200K |
| Dental | DELTA DENTAL OF TENNESSEE | 2,164 | $729K |
| Vision | VISION SERVICE PLAN | 967 | $157K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 921 | $911K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 921 | $911K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 921 | $911K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 921 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,164 | — |
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.