| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | HEALTH CARE SERVICE CORPORATION | $122K | $4K | $125K | 4.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $7K | $30K | 13.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $6K | 16.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $558 | $7K | 37.59% |
| JOEL ALAN ROVNER3 | 8700 W BRYN MAWR AVE, STE 600S CHICAGO, IL 60631 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | — | $170 | 0.91% |
| CHARLES R IEUTER3 | 1622 WILLOW RD, STE 111 NORTHFIELD, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 0.22% |
| JOEL ALAN ROVNER3 | 8700 W BRYN MAWR AVE, STE 600S CHICAGO, IL 60631 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.96% |
| CHARLES R IEUTER3 | 1622 WILLOW RD, STE 111 NORTHFIELD, IL 60093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.96% |
| JOEL ALAN ROVNER3 | 8700 W BRYN MAWR AVE, STE 600S CHICAGO, IL 60631 | FIRST UNUM LIFE INSURANCE COMPANY | $34 | — | $34 | 1.01% |
| CHARLES R IEUTER3 | 1622 WILLOW RD, STE 111 NORTHFIELD, IL 60093 | FIRST UNUM LIFE INSURANCE COMPANY | $34 | — | $34 | 1.01% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 580 | $3.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 352 | $34K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 494 | $226K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 494 | $226K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 494 | $226K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 580 | $3.0M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 494 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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."
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.
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.