| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $846K | $66K | $912K | 14.21% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $309K | $77K | $387K | 6.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.07% |
| CGF INSURANCE LLC3 | UNKNOWN SCHILLER PARK, IL 60176 | TRIPLE S SALUD, INC. | $15K | $0 | $15K | 4.11% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | UNKNOWN SCHILLER PARK, IL 60176 | TRIPLE S SALUD, INC. | $3K | $0 | $3K | 0.84% |
| JAMES DUNCAN DAVIDSON3 | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 23.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.05% |
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 | 8,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 270 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,764 | $7.5M |
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,764 | $6.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 7,239 | $434K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,764 | $6.5M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,764 | $6.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,764 | $6.4M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 112 | $1.0M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,269 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,269 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.