| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER PRESIDIO | 6967 S. RIVER GATE DR, STE #2 MIDVALE, UT 84047 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $11K | $0 | $11K | 2.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOW, IL 60008 | GUARDIAN | $3K | $383 | $4K | 13.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 SOUTH RIVER GATE DR, SUITE 200 MIDVALE, UT 84047 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC. | $1K | $0 | $1K | 6.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE UNIT 2 TALLAHASSEE, FL 32301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $492 | $0 | $492 | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR, SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $333 | $0 | $333 | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $251 | $251 | 1.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR, SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 23.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $261 | $261 | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE UNIT 2 TALLAHASSEE, FL 32301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | $0 | $174 | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 SOUTH RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | $5K | $0 | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY LIFE AND HEALTH INSURANCE C EIN 91-6034263 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $81K |
| GALLAGHER BENEFIT SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | $20K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 164 | $392K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC | 256 | $0 |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH INC. | 159 | $20K |
| Life insurance | GUARDIAN | 164 | $27K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 164 | $38K |
| Long-term disability | GUARDIAN | 164 | $27K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 164 | $392K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 70 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.