| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $33K | — | $33K | 3.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | SUITE 600 505 N BRAND BLVD GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 2.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | AMERITAS LIFE INSURANCE CORP | $78K | — | $78K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE HILL OFFICE PARK STE 310 BRAINTREE, MA 021848724 | AMERITAS LIFE INSURANCE CORP | — | $6K | $6K | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | RELIANCE STANDARD LIFE INSURANCE CO | $61K | $9K | $69K | 17.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 18.16% |
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 | 4,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 7,194 | $777K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,774 | $987K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 750 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,194 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.