| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMMUNITY INSURANCE COMPANY | $82K | $5K | $88K | 2.18% |
| ASSOC BUILDERS & CONTRACTORS INS SE3 Filed as: ASSOC. BUILDERS & CONTR. INS. SER. | 440 FIRST STREET NW, SUITE 200 WASHINGTON, DC 20001 | COMMUNITY INSURANCE COMPANY | $41K | $0 | $41K | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 EAST FOURTH STREET, SUITE 625 CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY | $34K | $0 | $34K | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $0 | $37K | 6.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | EYEMED | $4K | $0 | $4K | 5.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | LOCK BOX 71290 TREASURY DEPARTMENT CHICAGO, IL 60694 | EYEMED | $2K | $0 | $2K | 3.34% |
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 | 731 | 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) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 821 | $4.0M |
| Dental | COMMUNITY INSURANCE COMPANY | 821 | $4.0M |
| Vision | EYEMED | 2,095 | $73K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $546K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $546K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 821 | $4.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,095 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.