| 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. | $139K | $0 | $139K | 2.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $5K | $33K | 11.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $667 | $0 | $667 | 2.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3 EXECUTIVE COURT, SUITE 3 SOUTH BARRINGTON, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $282 | $0 | $282 | 1.23% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $282 | $0 | $282 | 1.23% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISON, IL 60101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83 | $0 | $83 | 0.36% |
| CHARLES R IEUTER3 Filed as: CHARLES R. IEUTER | 413 LINDEN AVENUE WILMETTE, IL 60091 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.04% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISON, IL 60101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.68% |
| CHARLES R IEUTER3 Filed as: CHARLES R. IEUTER | 413 LINDEN AVENUE WILMETTE, IL 60091 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.68% |
| JOEL ALAN ROVNER3 | 1240 NORTH HONEY HILL ROAD ADDISON, IL 60101 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.65% |
| CHARLES R IEUTER3 Filed as: CHARLES R. IEUTER | 413 LINDEN AVENUE WILMETTE, IL 60091 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.65% |
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 | 616 | 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) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 449 | $4.7M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 449 | $4.7M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $291K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $291K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $291K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $291K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 449 | $4.7M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.