| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD. SUITE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $155K | $27K | $182K | 4.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 N. BRAND BLVD. SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | — | $168K | $168K | 4.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD. SUITE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $80K | $25K | $104K | 5.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 N. BRAND BLVD. SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | — | $89K | $89K | 4.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 W. CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | GERBER LIFE INSURANCE COMPANY | $835 | — | $835 | 10.12% |
| WESTERN BENEFIT SOLUTIONS3 Filed as: WESTERN BENEFIT SOLUTIONS, LLC | 13965 W. CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | GERBER LIFE INSURANCE COMPANY | $402 | — | $402 | 4.87% |
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 | 23,349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,415 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,415 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 284 | $0 |
| Dental | AETNA LIFE INSURANCE CO. | 3,420 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 15,411 | $3.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,138 | $2.0M |
| Other | GERBER LIFE INSURANCE COMPANY | 2,891 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,411 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.