| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $3K | $32K | 8.63% |
| BUSINESS INSURANCE CONSULTANTS INC.3 | PO BOX 2590 FORT SMITH, AR 72902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 7.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | AETNA LIFE INSURANCE COMPANY | $22K | $3K | $25K | 8.57% |
| BUSINESS INSURANCE CONSULTANTS INC.3 | PO BOX 2590 FORT SMITH, AR 72902 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 7.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | VISION SERVICE PLAN | $1K | — | $1K | 1.79% |
| BUSINESS INSURANCE CONSULTANTS INC.3 Filed as: BUSINESS INSURANCE CONSULTANTS, INC | 281 WEST WATERS EDGE WAY OAK POINT, TX 75068 | VISION SERVICE PLAN | $1K | — | $1K | 1.79% |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 824 | $292K |
| Vision | VISION SERVICE PLAN | 299 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 508 | $369K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 508 | $369K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 508 | $369K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 508 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 824 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.