| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVE, STE 410 CLEVELAND, OH 44113 | MEDICAL MUTUAL | $30K | $14K | $45K | 4.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE | $3K | — | $3K | 6.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 202 S MICHIGAN ST. STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE | — | $1K | $1K | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE | — | $285 | $285 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE | $3K | — | $3K | 13.57% |
| GIS BENEFITS INC3 | 202 S MICHIGAN ST. STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE | — | $821 | $821 | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE | — | $242 | $242 | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE | $1K | — | $1K | 5.96% |
| GIS BENEFITS INC3 | 202 S MICHIGAN ST. STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE | — | $755 | $755 | 3.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE | — | $221 | $221 | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE | $1K | — | $1K | 15.00% |
| GIS BENEFITS INC3 | 202 S MICHIGAN ST. STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE | — | $429 | $429 | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE | — | $165 | $165 | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE | $996 | — | $996 | 15.01% |
| GIS BENEFITS INC3 | 202 S MICHIGAN ST. STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE | — | $275 | $275 | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE | — | $91 | $91 | 1.37% |
| GIS BENEFITS INC3 | 202 S MICHIGAN ST. STE 1400 SOUTH BEND, IN 46601 | LINCOLN NATIONAL LIFE INSURANCE | — | $374 | $374 | 5.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | LINCOLN NATIONAL LIFE INSURANCE | $322 | — | $322 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE | — | $44 | $44 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE CO | $584 | $100 | $684 | 17.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE CO | $491 | $91 | $582 | 17.79% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 77 | $1.0M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE | 70 | $44K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE | 65 | $6K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE | 106 | $26K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE | 45 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE | 103 | $21K |
| Prescription drug | MEDICAL MUTUAL | 77 | $1.0M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE | 106 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.