| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 5401 ROGERS AVE SUITE 202 FORT SMITH, AR 72903 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 12444 POWERSCOURT DRIVE SUITE 500 SAINT LOUIS, MO 63131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.51% |
| RONALD J NOVAK3 | 7306 KENSINGTON COURT FORT SMITH, AR 72903 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.59% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 72 | $366K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $91K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $91K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $91K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
No prospect flags tripped on this filing.