| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78K | $0 | $78K | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | COMBINED INSURANCE COMPANY OF AMERICA | $132K | $0 | $132K | 24.29% |
| KC WOOD3 | UNKNOWN DALLAS, TX 75240 | COMBINED INSURANCE COMPANY OF AMERICA | $53 | $0 | $53 | 0.01% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | UNKNOWN DALLAS, TX 75240 | COMBINED INSURANCE COMPANY OF AMERICA | $30 | $0 | $30 | 0.01% |
| WRI EMPLOYERS INS INC3 Filed as: WRI EMPLOYERS INSURANCE, INC. | UNKNOWN DALLAS, TX 75240 | COMBINED INSURANCE COMPANY OF AMERICA | $23 | $0 | $23 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | COMBINED INSURANCE COMPANY | $5K | $0 | $5K | 23.00% |
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 | 7,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 191 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 509 | $4.7M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 173 | $1.2M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 9,733 | $779K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,208 | $4.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,208 | $4.3M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 509 | $4.7M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,208 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,733 | — |
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.