| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $164K | $0 | $164K | 17.16% |
| STEPPING STONES UNLIMITED, INC.3 | 8459 US 42, SUITE 262 FLORENCE, KY 41042 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $38K | $38K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $0 | $20K | 2.08% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $43 | — | $43 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106K | $0 | $106K | 100.00% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 10.00% |
| TRACY HENSON TUTOR4 Filed as: TRACY H. TUTOR | 9931 CYPRESS WILLOW COVE OLIVE BRANCH, MS 38654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 8.00% |
| DORSEY & ASSOCIATES, INC.4 | 1655 VINERY AVENUE CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $368 | $0 | $368 | 1.00% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $276 | $0 | $276 | 0.75% |
| THOMPSON SUCCESS PARTNERS, INC.4 | 2776 GEARY STREET MATLACHA, IL 33993 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $92 | — | $92 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10 WEST CARMEL DRIVE, SUITE 260 CARMEL, IN 46032 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $166 | — | $166 | 15.01% |
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 | 1,801 | 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) | 1,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,909 | $550K |
| Vision | VISION SERVICE PLAN | 1,022 | $117K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,801 | $1.1M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,801 | $956K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,801 | $956K |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,801 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,909 | — |
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.