| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $278K | $51K | $329K | 4.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $101K | $101K | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | STANDARD LIFE INSURANCE COMPANY | $119K | $39K | $159K | 5.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD LIFE INSURANCE COMPANY | $0 | $68K | $68K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 W CHINDEN BLVD STE 300 BOISE, ID 837131488 | VISION SERVICE PLAN | $79K | — | $79K | 6.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 W. CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 30,848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 406 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,383 | $7.4M |
| Dental | AETNA LIFE INSURANCE CO | 2,759 | $680K |
| Vision | VISION SERVICE PLAN | 16,777 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 18,128 | $7.0M |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 10,638 | $3.0M |
| Other | GERBER LIFE INSURANCE COMPANY | 54,000 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,000 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.