| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 13.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $482 | $482 | 0.29% |
| ALTERNATIVE RISK UNDERWRITING, LLC3 | 1834 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | HCC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE BROOKFIELD, WI 53005 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 16.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $113 | $113 | 1.85% |
| AD-VENTURES INC.4 Filed as: AD-VENTURES, INC. | 125 WEST 11TH STREET NEWTON, KS 67114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $181 | $0 | $181 | 5.21% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 141 WEST JACKSON BOULEVARD CHICAGO, IL 60604 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $168 | $0 | $168 | 4.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | ZURICH AMERICAN INSURANCE COMPANY | $405 | $0 | $405 | 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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $167K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $167K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $183K |
| Other(7 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.