| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | HIGHMARK INC. | $436 | $0 | $436 | 0.03% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | HIGHMARK INC. | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED CONCORDIA INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| FIRST COMMONWEALTH INS AGCY INC3 Filed as: FIRST COMMONWEALTH INSURANCE | 654 PHILADELPHIA STREET INDIANA, PA 15701 | UNITED CONCORDIA INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.09% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA STREET INDIANA, PA 15701 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $522 | $0 | $522 | 2.49% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 236 | $1.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 227 | $58K |
| Vision | HIGHMARK INC. | 236 | $1.4M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 125 | $21K |
| Prescription drug | HIGHMARK INC. | 236 | $1.4M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 125 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.