| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 21ST F ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE CO | $12K | — | $12K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH F ITASCA, IL 60143 | FIRST UNUM LIFE INSURANCE CO | — | $3K | $3K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE, FL 14 ITASCA, IL 601433177 | VISION SERVICE PLAN | $856 | — | $856 | 6.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 2 PIERCE PLACE ITASCA, NY 60143 | CIGNA HEALTH AND LIFE INSURANCE CO | $8K | — | $8K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC NY | 2 PIERCE PL ITASCA, IL 601430000 | CIGNA HEALTH AND LIFE INSURANCE CO | $50K | — | $50K | — |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 116 | $0 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 120 | $0 |
| Vision | VISION SERVICE PLAN | 121 | $13K |
| Life insurance | FIRST UNUM LIFE INSURANCE CO | 145 | $115K |
| Short-term disability | FIRST UNUM LIFE INSURANCE CO | 145 | $115K |
| Long-term disability | FIRST UNUM LIFE INSURANCE CO | 145 | $115K |
| Other | FIRST UNUM LIFE INSURANCE CO | 145 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.