| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 4933 LINCOLN AVE LISLE, IL 60532 | BLUECROSS BLUESHIELD OF ILLINOIS | $149K | $6K | $155K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SE | 4933 LINCOLN AVEUE LISLE, IL 60532 | GUARDIAN | $31K | $12K | $42K | 9.36% |
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 | 1,584 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,584 | $7.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 1,584 | $7.4M |
| Life insurance | GUARDIAN | 816 | $452K |
| Long-term disability | GUARDIAN | 816 | $452K |
| Other | GUARDIAN | 816 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,584 | — |
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.