| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 444 LIBERTY AVE SUITE 805 PITTSBURG, PA 15222 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GALLAGHER BENEFIT SERVICES BLOOMFIELD, PA 48302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 444 LIBERTY AVE SUITE 805 PITTSBURG, PA 15222 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 444 LIBERTY AVE SUITE 805 PITTSBURG, PA 15222 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.55% |
| BG SUMMIT, LLC3 | 715 S WASHINGTON BOULDER, MT 59632 | TOKIO MARINE HCC | $3K | $0 | $3K | — |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 209 | $50K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 199 | $119K |
| Other | TOKIO MARINE HCC | 214 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.