| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.61% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $880 | $0 | $880 | 4.37% |
| VERONICA Y. BUTLER3 | 223 NORTH GUADALUPE, SUITE 529 SANTA FE, NM 85701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $519 | $0 | $519 | 2.58% |
| ELECIA J BELLMIRE3 Filed as: ELECIA J. BELMIRE | 9790 ROAD 39 MANCOS, CO 81328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272 | $0 | $272 | 1.35% |
| LOUISA CRISTINA LEPISTO3 Filed as: LOUISA C. LEPISTO | 1512 SALT RIVER LOOP RIO RANCH, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | $0 | $149 | 0.74% |
| STACY ERVIEN3 | 10 WEST MAIN STREET, SUITE 110 CORTEZ, CO 81321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.42% |
| HENRY R. RIVERA7 | 3500 COMANCHE NE BUILDING E, SUITE 16 ALBUQUERQUE, NM 87107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.37% |
| MJ INSURANCE3 Filed as: ASPEN R, LLC AND VARIOUS AGENTS | 752 MAIN AVENUE, SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.29% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 29.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 6.76% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $100K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $120K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
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.