| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $32K | $400 | $32K | 10.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $632 | $4K | 11.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY | $0 | $113 | $113 | 0.69% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 NASHVILLE, IL 37204 | UNUM LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 12.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $140 | $140 | 1.40% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21TH FLOOR ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE COMPANY | $30 | $0 | $30 | 3.27% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.65% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 678 | $35K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 401 | $324K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 401 | $314K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 401 | $313K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 401 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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.