| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HORIZON HEALTHCARE SERVICES, INC. | $170K | $0 | $170K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $13K | $48K | 13.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3 EXECUTIVE COURT, SUITE 3 SOUTH BARRINGTON, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $376 | $0 | $376 | 2.60% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $376 | $0 | $376 | 2.60% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISON, IL 60101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49 | $0 | $49 | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 MADISON AVENUE, 28TH FLOOR NEW YORK, NY 10177 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.08% |
| CHARLES R IEUTER3 Filed as: CHARLES R. IEUTER | 413 LINDEN AVENUE WILMETTE, IL 60091 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.03% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISON, IL 60101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.52% |
| CHARLES R IEUTER3 Filed as: CHARLES R. IEUTER | 413 LINDEN AVENUE WILMETTE, IL 60091 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.52% |
| CHARLES R IEUTER3 Filed as: CHARLES R. IEUTER | 413 LINDEN AVENUE WILMETTE, IL 60091 | FIRST UNUM LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.52% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISON, IL 60101 | FIRST UNUM LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.52% |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 460 | $6.0M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 460 | $6.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 576 | $362K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 576 | $362K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 576 | $362K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 576 | $362K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 460 | $6.0M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 576 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.