| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 010524 NH ROLLING MEADOWS, IL 60009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $17K | $20K | 4.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $13K | $15K | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $393 | $4K | 8.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 W LOOP SOUTH STE 1600 HOUSTON, TX 77027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $822 | — | $822 | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $366 | $366 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $545 | — | $545 | 11.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $373 | $57 | $430 | 8.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $57 | $57 | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $535 | — | $535 | 13.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $77 | $77 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $26 | $4 | $30 | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $492 | — | $492 | 14.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $70 | $70 | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $12 | $2 | $14 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL 21ST FLOOR ITASCA, IL 60143 | UNUM INSURANCE COMPANY | $208 | — | $208 | 7.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $104 | $9 | $113 | 4.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $35 | $35 | 1.33% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $472K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $472K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $472K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $54K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.