| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 101 JOHN KENNEDY PARKWAY #1 SHORT HILLS, NJ 07078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 8.18% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | MUTUAL OF OMAHA INSURANCE COMPANY | $21K | — | $21K | 9.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 1.44% |
| BOLLINGER INC3 Filed as: BOLLINGER INSURANCE INC. | 200 JEFFERSON PARK 2ND FLOOR WHIPPANY, NJ 07981 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 200 JEFFERSON PARK 2ND FLOOR WHIPPANY, NJ 07981 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $265 | — | $265 | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 6 TOWER PLACE ALBANY, NY 12203 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $58 | — | $58 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $23 | — | $23 | 0.05% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 20.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.58% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | — | $6K | 16.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | — | $7K | 20.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 4.53% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 11.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMPANION LIFE INSURANCE COMPANY | $612 | — | $612 | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | — | $1K | 10.86% |
| BOLLINGER INC3 Filed as: BOLLINGER INSURANCE, INC. | 200 JEFFERSON PARK 2ND FLOOR WHIPPANY, NJ 07981 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $605 | — | $605 | 5.22% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | MUTUAL OF OMAHA INSURANCE COMPANY | $745 | — | $745 | 12.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $74 | — | $74 | 1.27% |
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 | 1,108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 688 | $287K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 826 | $56K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,108 | $74K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 1,079 | $254K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 74 | $35K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,081 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,108 | — |
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.