| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | HORIZON HEALTHCARE SERVICES, INC. | $111K | — | $111K | 2.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | HEALTHCARE DENTAL, INC. | $6K | — | $6K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $2K | $29K | 10.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $5K | 10.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $94 | $3K | 7.13% |
| THOMAS C SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $483 | $30 | $513 | 1.42% |
| JOEL ALAN ROVNER3 | 1240 N. HONEY HILL RD ADDISON, IL 60101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 0.32% |
| CHARLES R IEUTER3 | 1622 WILLOW RD, STE 111 NORTHFIELD, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.05% |
| JOEL ALAN ROVNER3 | 10 S LASALLE ST STE 2400 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.85% |
| CHARLES R IEUTER3 | 1622 WILLOW RD, STE 111 NORTHFIELD, IL 60093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.85% |
| JOEL ALAN ROVNER3 | 10 S LASALLE ST STE 2400 CHICAGO, IL 60603 | FIRST UNUM LIFE INSURANCE COMPANY | $27 | — | $27 | 0.90% |
| CHARLES R IEUTER3 | 1622 WILLOW RD, STE 111 NORTHFIELD, IL 60093 | FIRST UNUM LIFE INSURANCE COMPANY | $27 | — | $27 | 0.90% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 385 | $3.8M |
| Dental | HEALTHCARE DENTAL, INC. | 382 | $284K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $50K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 589 | $264K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 589 | $264K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 589 | $264K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 385 | $3.8M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 589 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.