| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES3 | — | MUTUAL HEALTH SERVICES | $0 | $391K | $391K | 33.81% |
| VISION SERVICE PLAN3 | — | MUTUAL HEALTH SERVICES | $0 | $161K | $161K | 13.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | MUTUAL HEALTH SERVICES | $102K | $0 | $102K | 8.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $4K | $20K | 8.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $3K | $30K | 16.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 10.78% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 6200 SAVOY DR, STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.63% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $299 | $0 | $299 | 0.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 6200 SAVOY DR, STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.62% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $236 | $0 | $236 | 0.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.61% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, STE 345 HOUSTON, TX 77036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $176 | $0 | $176 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR STE 350 CARMEL, IN 46032 | VISION SERVICE PLAN | $0 | $5K | $5K | 15.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $0 | $1K | $1K | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $208 | $2K | 16.72% |
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 | 899 | 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) | 899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MUTUAL HEALTH SERVICES | 972 | $1.2M |
| Dental | MUTUAL HEALTH SERVICES | 972 | $1.2M |
| Vision | VISION SERVICE PLAN | 963 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,003 | $184K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $117K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 739 | $225K |
| Stop-loss / reinsurancereinsurance | MUTUAL HEALTH SERVICES | 972 | $1.2M |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 912 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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.