| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $136K | $22K | $158K | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $71K | $71K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $77K | $43K | $120K | 6.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $0 | $19K | $19K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 W CHINDEN BLVD STE 300 BOISE, ID 837131488 | VISION SERVICE PLAN | $73K | — | $73K | 4.14% |
| FRANK ZACCANELLI3 | 1201 ELM STREET DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188K | — | $188K | 17.91% |
| REDTAIL LTD3 | 9999 BREWSTER LANE STE 100 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178K | — | $178K | 16.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 W. CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | GERBER LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
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 | 23,482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 404 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 404 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 7,987 | $1.0M |
| Dental | AETNA LIFE INSURANCE CO. | 3,345 | $1.1M |
| Vision | VISION SERVICE PLAN | 12,788 | $1.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 13,705 | $3.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,759 | $1.9M |
| Other | GERBER LIFE INSURANCE COMPANY | 1,327 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,705 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.