| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVE FL 3 NEW YORK, NY 10177 | HORIZON HEALTHCARE SERVICES, INC. | $111K | — | $111K | 2.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVE FL 3 NEW YORK, NY 10177 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $4K | $33K | 11.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVE FL 3 NEW YORK, NY 10177 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 12.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVE FL 3 NEW YORK, NY 10177 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.35% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168 | — | $168 | 0.71% |
| JOEL ALAN ROVNER3 | 1240 N HONEY HILL RD ADDISON, IL 60101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99 | — | $99 | 0.42% |
| CHARLES R IEUTER3 | 413 LINDEN AVE WILMETTE, IL 60091 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.08% |
| JOEL ALAN ROVNER3 | 1240 N HONEY HILL RD ADDISON, IL 60101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 1.08% |
| CHARLES R IEUTER3 | 413 LINDEN AVE WILMETTE, IL 60091 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 1.08% |
| JOEL ALAN ROVNER3 | 1240 N HONEY HILL RD ADDISON, IL 60101 | FIRST UNUM LIFE INSURANCE COMPANY | $27 | — | $27 | 1.09% |
| CHARLES R IEUTER3 | 413 LINDEN AVE WILMETTE, IL 60091 | FIRST UNUM LIFE INSURANCE COMPANY | $27 | — | $27 | 1.09% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 365 | $3.8M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 365 | $3.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 309 | $46K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 514 | $288K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 514 | $288K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 514 | $288K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 365 | $3.8M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 514 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.