| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 282103293 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $27 | $4K | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 906 W 2ND AVE STE 400 SPOKANE, WA 992014537 | METROPOLITAN LIFE INSURANCE COMPANY | $432 | $41 | $473 | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $309 | $309 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 601 W MAIN AVE SPOKANE, WA 992010636 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 601 W MAIN AVE, STE #1400 SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $14K | 13.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCES SERVICES USA | 601 W MAIN AVE SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $893 | $8K | 13.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 601 W MAIN AVE SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $777 | $7K | 13.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCES SERVICES USA | 601 W. 5TH AVE., STE 1400 SPOKANE, WA 99201 | VISION SERVICE PLAN | $915 | — | $915 | 5.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | VISION SERVICE PLAN | $48 | — | $48 | 0.30% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $147K |
| Vision | VISION SERVICE PLAN | 192 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $159K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $109K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.