| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GALLAGHER INSURANCE POINT 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $73K | — | $73K | 9.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES | GALLAGHER INSURANCE POINT 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $78K | — | $78K | 13.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GALLGHER INSURANCE POINT 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $76K | — | $76K | 13.72% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $22K | — | $22K | 7.74% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $8K | $68K | 25.97% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY STE 2 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $150 | — | $150 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GALLAGHER INSURANCE POINT 2850 GOLF RD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 19.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | GALLAGHER INSURANCE POINT 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CURALINC HEALTHCARE | $6K | — | $6K | 7.36% |
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 | 4,712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 2,892 | $284K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,528 | $799K |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,592 | $570K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,592 | $556K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 4,487 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,487 | — |
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.