| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD, 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $355K | — | $355K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 95287 CHICAGO, IL 60694 | VSP VISION CARE | $11K | — | $11K | 0.57% |
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 | 21,667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 253 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS - BLUECROSS BLUESHIELD | 18,862 | $6.9M |
| Vision | VSP VISION CARE | 15,020 | $1.9M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 21,667 | $7.1M |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 21,667 | $7.1M |
| Prescription drug | EXCELLUS - BLUECROSS BLUESHIELD | 18,862 | $6.9M |
| Stop-loss / reinsurancereinsurance | EXCELLUS - BLUECROSS BLUESHIELD | 18,862 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,667 | — |
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."
No prospect flags tripped on this filing.