| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE 14TH FLOOR ITASCA, ID 60143 | BLUECROSS BLUESHIELD OF ILLINOIS | $360 | $0 | $360 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $584 | $7K | 21.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $594 | $7K | 21.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DR. STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $357 | $3K | 22.28% |
| RBH FINANCIAL INC3 Filed as: RBH FINANCIAL INC. | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $58 | $0 | $58 | 4.38% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES D. HOUGH | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $58 | $0 | $58 | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 650 EAST CARMEL DR. STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $150 | $36 | $186 | 24.83% |
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 | 43 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 43 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 43 | $230K |
| Vision | VISION SERVICE PLAN | 43 | $6K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $32K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.