| 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 | $103K | $22K | $125K | 3.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | — | $121K | $121K | 3.56% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 0.79% |
| FRANK ZACCANELLI3 | 1201 ELM STREET, #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329K | — | $329K | 11.92% |
| REDTAIL LTD3 | 9999 BREWSTER LANE STE 100 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315K | — | $315K | 11.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $53K | $19K | $72K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | — | $66K | $66K | 3.63% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 W CHINDEN BLVD STE 300 BOISE, ID 837131488 | VISION SERVICE PLAN | $41K | — | $41K | 2.35% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $23K | — | $23K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 W. CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | GERBER LIFE INSURANCE COMPANY | $6K | — | $6K | 12.49% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON US, LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 2.51% |
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 | 27,428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 502 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 502 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 9,820 | $4.7M |
| Dental | AETNA LIFE INSURANCE CO. | 3,413 | $1.1M |
| Vision | VISION SERVICE PLAN | 12,959 | $1.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 13,842 | $3.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,610 | $1.8M |
| Other | GERBER LIFE INSURANCE COMPANY | 1,329 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,842 | — |
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.