| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $5K | $53K | 15.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 20.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.36% |
| SCOTT WELSH3 | 1445 WEST REDLANDS BOULEVARD SUITE B REDLANDS, CA 92373 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 601 NW LOOP 410 SAN ANTONIO, TX 78216 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.59% |
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 | 461 | 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) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 144 | $56K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,083 | $334K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 638 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,083 | $334K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,083 | $334K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,083 | $334K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,083 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.