| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1847 W JEFFERSON AVE NAPERVILLE, IL 605403989 | UNITEDHEALTHCARE INSURANCE COMPANY | $715 | $16K | $16K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL F RIGBY | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $416 | $416 | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNION SECURITY INSURANCE CO | $243 | $0 | $243 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNION SECURITY INSURANCE CO | $0 | $241 | $241 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL F RIGBY | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, FL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $247 | $247 | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL F RIGBY | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $122 | $122 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $706 | $0 | $706 | 10.51% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 76 | $426K |
| Dental | UNION SECURITY INSURANCE CO | 135 | $27K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 84 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $34K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $34K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $44K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.