| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES3 | — | MEDICAL MUTUAL | $0 | $416K | $416K | 32.94% |
| VISION SERVICE PLAN3 | — | MEDICAL MUTUAL | $0 | $159K | $159K | 12.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | MEDICAL MUTUAL | $103K | $0 | $103K | 8.16% |
| 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 | $22K | $3K | $25K | 8.08% |
| 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 | $38K | $3K | $41K | 16.03% |
| 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 | $2K | $18K | 11.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | 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 | 1.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | 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 | 1.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | 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 | 1.50% |
| 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 | $3K | $180 | $3K | 16.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO POX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $2K | $3K | 27.18% |
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 | 878 | 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) | 878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 0 | $1.3M |
| Dental | MEDICAL MUTUAL | 0 | $1.3M |
| Vision | VISION SERVICE PLAN | 933 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 878 | $253K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 878 | $159K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 878 | $307K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 0 | $1.3M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 878 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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.
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.