| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $136K | $63 | $136K | 1.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $74K | $74K | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38K | $38K | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $45 | $32K | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $158 | $158 | 0.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 202617 DALLAS, TX 75320 | HEALTH ALLIANCE PLAN | $103K | $0 | $103K | 3.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | HEALTH ALLIANCE PLAN | $67K | $0 | $67K | 2.48% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.27% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $616 | $0 | $616 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $33K | $0 | $33K | 13.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UNUM INSURANCE COMPANY | $5K | $230 | $5K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 1.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UNUM INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 33.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1500 CHICAGO, IL 60606 | UNUM INSURANCE COMPANY OF AMERICA | — | $32K | $32K | 20.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 6.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 18100 VON KARMAN AVENUE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 2.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY OF AMERICA | $0 | $837 | $837 | 0.55% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46K | $0 | $46K | 34.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8561 EAST AVENUE MENTOR, OH 44060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, CA 60694 | METLIFE LEGAL PLANS | $10K | $0 | $10K | 8.09% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, CA 60008 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 1.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $665 | $665 | 0.56% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SVCS. AND OTHER AGENTS | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $496 | $496 | 0.42% |
| ACS HUMAN RESOURCE SOLUTIONS, INC.3 Filed as: ACS HUMAN RESOURCE SOLUTIONS INC. | DEPARTMENT CH 14061 PALATINE, IL 60055 | METLIFE LEGAL PLANS | $0 | $25 | $25 | 0.02% |
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 | 2,585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE PLAN | 301 | $2.7M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 7,076 | $1.0M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 15,007 | $8.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,007 | $640K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,007 | $8.0M |
| Prescription drug | HEALTH ALLIANCE PLAN | 301 | $2.7M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,007 | $8.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,007 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.