| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES3 | — | MEDICAL MUTUAL | $0 | $435K | $435K | 35.10% |
| VISION SERVICE PLAN3 | — | MEDICAL MUTUAL | $0 | $167K | $167K | 13.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | MEDICAL MUTUAL | $107K | $0 | $107K | 8.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 323 WEST LAKESIDE STE 410 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 323 WEST LAKESIDE STE 410 CLEVELAND, OH 44113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $0 | $39K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 32.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $5K | $25K | 26.34% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 32.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $4K | $20K | 26.40% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $0 | $24K | 32.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $4K | $19K | 26.47% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 11.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 323 WEST LAKESIDE STE 410 ARLINGTON HEIGHTS, OH 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $65 | $65 | 0.28% |
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 | 872 | 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) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 872 | $1.2M |
| Dental | MEDICAL MUTUAL | 872 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 872 | $259K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 872 | $204K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 872 | $296K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 872 | $1.2M |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 872 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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."
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.