| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $409K | $67K | $475K | 11.51% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $255K | $63K | $318K | 7.69% |
| EMPYREAN BENEFIT SOLUTIONS INC3 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC. | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $0 | $77K | $77K | 1.85% |
| RENOWN HEALTH3 | 1155 MILL STREET, MAILSTOP Z-3 RENO, NV 89502 | STANDARD INSURANCE COMPANY | $0 | $13K | $13K | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $101K | — | $101K | 18.95% |
| EOI SERVICE COMPANY INC3 Filed as: EOI ENROLLMENT SERVICES, LLC | 3100 EAST MIRALOMA AVENUE SUITE 240 CHICAGO, IL 92806 | TRANSAMERICA LIFE INSURANCE COMPANY | $55K | — | $55K | 10.38% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE CORPORATION, LLC | 3100 EAST MIRALOMA AVENUE SUITE 240 ANNAHEIM, CA 92806 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $0 | $8K | 5.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $0 | $5K | 3.44% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE CO., INC. & OTHER AGENT | 1820 EAST FIRST STREET SUITE 400 SANTA ANA, CA 92705 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $997 | $997 | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $501 | $501 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $296 | $296 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $140 | $140 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $49 | $49 | 0.03% |
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 | 6,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 150 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 6,106 | $614K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,857 | $4.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 6,857 | $4.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,857 | $4.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 6,857 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,857 | — |
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.