| 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. | $111K | $0 | $111K | 2.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 11.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3 EXECUTIVE COURT, SUITE 3 SOUTH BARRINGTON, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $243 | $0 | $243 | 0.86% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $243 | $0 | $243 | 0.86% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISION, IL 60101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110 | $0 | $110 | 0.39% |
| CHARLIE R. IEUTER3 | 413 LINDEN AVENUE WILMETTE, IL 60091 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | $0 | $23 | 0.08% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISION, IL 60101 | FIRST UNUM LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.99% |
| CHARLIE R. IEUTER3 | 413 LINDEN AVENUE WILMETTE, IL 60091 | FIRST UNUM LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.99% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISION, IL 60101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 1.00% |
| CHARLIE R. IEUTER3 | 413 LINDEN AVENUE WILMETTE, IL 60091 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 1.00% |
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 | 447 | 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) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 387 | $3.8M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 387 | $3.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $58K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $295K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $295K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $295K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 387 | $3.8M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.