| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $308K | $0 | $308K | 14.61% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $0 | $89K | $89K | 4.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $43K | $43K | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $32K | $32K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $28K | $0 | $28K | 11.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | VISION SERVICE PLAN | -$7 | $0 | -$7 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | ARAG INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
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 | 2,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 748 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 219 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,673 | $248K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,692 | $2.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,692 | $2.1M |
| Prescription drug | TRIA HEALTH, LLC | 2,377 | $116K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,692 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,692 | — |
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.