| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $162 | $49K | 4.44% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD, SUITE 200 SKOKIE, IL 60077 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.80% |
| DAVIDSON JAMES DUNCAN3 | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $450K | $0 | $450K | 54.33% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD, SUITE 2 SKOKIE, IL 60077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | AETNA LIFE INSURANCE COMPANY | $122K | $0 | $122K | 21.17% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $139K | $0 | $139K | 34.76% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $53K | $53K | 13.35% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY | $58K | $0 | $58K | 24.56% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY | $6K | $0 | $6K | 2.45% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD, SUITE 200 SKOKIE, IL 60077 | COMBINED INSURANCE COMPANY | $4K | $0 | $4K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.00% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.63% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY OF AMERICA | $849 | $0 | $849 | 4.24% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD, SUITE 200 SKOKIE, IL 60077 | COMBINED INSURANCE COMPANY OF AMERICA | $463 | $0 | $463 | 2.31% |
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 | 6,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,194 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,194 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 5,815 | $970K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,480 | $1.2M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 5,815 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,815 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.