| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 2807 CLINTON, IA 52733 | AMERITAS LIFE INSURANCE CORPORATION | $56K | $0 | $56K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $10K | $10K | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | $12K | $70K | 12.18% |
| UNKNOWN4 | UNKNOWN AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 10.36% |
| UNKNOWN4 | UNKNOWN AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 5.49% |
| UNKNOWN4 | UNKNOWN AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $228 | $0 | $228 | 0.60% |
| UNKNOWN4 | UNKNOWN AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $203 | $0 | $203 | 0.53% |
| UNKNOWN4 | UNKNOWN AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $54 | $0 | $54 | 0.14% |
| UNKNOWN4 | UNKNOWN AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.07% |
| UNKNOWN4 | UNKNOWN AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.07% |
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 | 1,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 2,096 | $1.1M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 2,096 | $1.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,221 | $573K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,221 | $573K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,221 | $573K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,011 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,011 | — |
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.