| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | $0 | $69K | 5.10% |
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS | UNKNOWN BRONX, NY 10460 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $5K | $20K | 11.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $11K | 16.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $0 | $67 | $67 | 0.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $2K | $0 | $2K | 13.95% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VENA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $463 | $420 | $883 | 5.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 200 BATON ROUGE, LA 70810 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $500 | $0 | $500 | 20.00% |
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 | 1,100 | 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) | 1,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $1.4M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,056 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $115K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 20 | $17K |
| Long-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 713 | $187K |
| Other(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,100 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.