| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA, | 5151 BELT LINE ROAD, 2ND FLOOR DALLAS, TX 75254 | STARMOUNT LIFE INSURANCE COMPANY | $23K | — | $23K | 10.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N. MICHIGAN AVE., SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | — | $30K | 22.24% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 203066 DALLAS, TX 753203066 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N. MICHIGAN AVE., SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $15K | — | $15K | 15.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | P. O. BOX 203066 DALLAS, TX 753203066 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N. MICHIGAN AVE., SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | — | $12K | 16.32% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 203066 DALLAS, TX 753203066 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 1.87% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE - DALLAS, TX | 5151 BELT LINE ROAD DALLAS, TX 75254 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.02% |
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 | 623 | 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) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 376 | $231K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 623 | $46K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 467 | $98K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 467 | $76K |
| Other(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 467 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.