| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EOI SERVICE COMPANY INC3 Filed as: EOI ENROLLMENT SERVICES LLC | 300 GALLERIA PARKWAY, SUITE 1100 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1.4M | $0 | $1.4M | 52.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $157K | $23K | $180K | 8.52% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD, SUITE 200 SKOKIE, IL 60077 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $3K | $40K | 1.89% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | AETNA LIFE INSURANCE COMPANY | $390K | — | $390K | 36.35% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY | $299K | — | $299K | 42.30% |
| BENEFITS ALL IN LLC3 Filed as: BENEFITS ALL IN | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY | $34K | — | $34K | 4.86% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY | $7K | — | $7K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY | $39 | — | $39 | 0.01% |
| EFREM VILENSKI3 | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY | $39 | — | $39 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS OF NEVADA | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 6.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $13K | $838 | $14K | 10.77% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD, SUITE 200 SKOKIE, IL 60077 | METLIFE LEGAL PLANS | $11K | $0 | $11K | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.05% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 20.17% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INS LLC | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.37% |
| ROBINSON FINANCIAL GROUP INC3 | UNKNOWN SKOKIE, IL 60076 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.29% |
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 | 5,976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,227 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,227 | $2.1M |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 5,976 | $3.5M |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,408 | $2.6M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 5,976 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,976 | — |
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.