| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | $0 | $45K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $36K | $36K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | RELIASTAR LIFE INSURANCE COMPANY | $28K | $0 | $28K | 17.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $3K | $440 | $4K | 9.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B. JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $68 | $68 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE UNION SQUARE, 2ND FLOOR 600 UNIVERSITY STREET, SUITE 2000 SEATTLE, WA 98101 | ACE AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 19.46% |
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 | 1,197 | 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) | 1,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 880 | $148K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,197 | $908K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,197 | $908K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,292 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,292 | — |
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.