| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 1.40% |
| DANNY S. DONLEY3 | 1013 MALEVENTUM SPRING HILL, TN 37174 | STANDARD INSURANCE COMPANY | $114K | $0 | $114K | 33.22% |
| SPECTRUM SOURCE BROKERAGE3 | 9535 EAST 59TH STREET, SUITE C INDIANAPOLIS, IN 46216 | STANDARD INSURANCE COMPANY | $71K | $0 | $71K | 20.74% |
| CHRISTOPHER A. BUSSEY3 | 303 WEST OHIO STREET, UNIT 3804 CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $29K | $13K | $41K | 12.03% |
| BRIAN L. HETTMANSPERGER SR.3 | 10835 BENTWATER LANE FISHERS, IN 46037 | STANDARD INSURANCE COMPANY | $29K | $0 | $29K | 8.30% |
| DANNY S. DONLEY3 | 1013 MALEVENTUM SPRING HILL, TN 37174 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 2.16% |
| CHRISTOPHER A. BUSSEY3 | 303 WEST OHIO STREET, UNIT 3804 CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $637 | $0 | $637 | 0.33% |
| DANNY S. DONLEY3 | 1013 MALEVENTUM SPRING HILL, TN 37174 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.00% |
| CHRISTOPHER A. BUSSEY3 | 303 WEST OHIO STREET, UNIT 3804 CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 9.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.06% |
| JAY M. POLLACK3 | 55 WEST MONROE, SUITE 500 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $655 | $0 | $655 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $9K | $25K | 38.34% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 14.94% |
| SURE LIFE FINANCIAL GROUP LLC3 Filed as: SURE LIFE FINANCIAL GROUP, LLC | 24118 WEST CHICAGO STREET SUITE 100 PLAINFIELD, IL 60554 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $755 | $0 | $755 | 4.63% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $733 | $0 | $733 | 4.50% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $763 | $95 | $858 | 19.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $33 | $0 | $33 | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $11 | $0 | $11 | 0.24% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,071 | $404K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 900 | $63K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 722 | $547K |
| Long-term disability(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 729 | $1.1M |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 729 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,071 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.