| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF WI | $25K | $0 | $25K | 10.89% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 S EXECUTIVE DR, STE 200 BROOKFIELD, WI 53005 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD GBS FINANCE 5TH FLOOR ROLLING MEADOWS, IL 60008 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $694 | $6K | 6.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $763 | $763 | 0.78% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF WI | $9K | $0 | $9K | 11.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $670 | $2K | 2.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $615 | $615 | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 S EXECUTIVE DR, STE 200 BROOKFIELD, WI 53005 | WYSSTA INSURANCE COMPANY INC | $0 | $0 | $0 | 0.00% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | WYSSTA INSURANCE COMPANY INC | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 800 CAPITAL CIRCLE SE UNIT 2 TALLAHASSEE, FL 32301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | $0 | $145 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 HAMILTON AVE WHITE PLAINS, NY 10601 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 16.77% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF WI | 267 | $347K |
| Vision | WYSSTA INSURANCE COMPANY INC | 366 | $52K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 609 | $197K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 609 | $77K |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 609 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.