| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | PO BOX 8950 MADISON, WI 537088950 | KAISER FOUNDATION HEALTH PLAN INC. | $90K | — | $90K | 2.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GALLAGHER INSURANCE POINT 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $137K | $0 | $137K | 8.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES | GALLAGHER INSURANCE POINT 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $131K | — | $131K | 12.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GALLGHER INSURANCE POINT 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $122K | — | $122K | 12.41% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $445K | — | $445K | 64.92% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 3.59% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | VISION SERVICE PLAN | $4K | — | $4K | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | GALLAGHER INSURANCE POINT 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CURALINC HEALTHCARE | $8K | — | $8K | 6.55% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS USA | $37K | — | $37K | 50.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GALLAGHER INSURANCE POINT 2850 GOLF RD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 75.92% |
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 | 6,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 536 | $3.4M |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 6,379 | $524K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,241 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 5,242 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,242 | $986K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 536 | $3.4M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 6,449 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,449 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.