| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $277K | $523K | $800K | 14.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $320K | $54 | $320K | 6.92% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC. | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $27K | $82K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63K | $63K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $676 | $676 | 0.01% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | UNKNOWN OMAHA, NE 68198 | COMBINED INSURANCE | $43K | $0 | $43K | 6.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | COMBINED INSURANCE | $29K | $0 | $29K | 4.34% |
| NATIONAL BENEFIT PARTNERS3 Filed as: NATIONAL BENEFIT PARTNERS-WEST | UNKNOWN OMAHA, NE 68198 | COMBINED INSURANCE | $3K | $0 | $3K | 0.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 84344 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158K | $19K | $177K | 49.89% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158K | $19K | $177K | 49.89% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $11K | $52K | 26.77% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $11K | $52K | 26.77% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $15K | $4K | $19K | 12.43% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | UNUM INSURANCE COMPANY | $15K | $4K | $19K | 12.43% |
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 | 8,640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 11,247 | $4.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 11,247 | $4.6M |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,041 | $6.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,041 | $5.5M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,041 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.