| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | SUMMA CARE | $19K | — | $19K | 3.00% |
| CHRISTOPHER HERBRUCK3 | GALLAGHER BENEFIT SERVICES INC. 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF OHIO | $3K | — | $3K | 6.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $894 | $818 | $2K | 5.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | ALEX HERBRUCK CLEVELAND, OH 44114 | EYEMED VISION CARE | $519 | — | $519 | 7.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | ALEX HERBRUCK CLEVELAND, OH 44114 | EYEMED VISION CARE | $166 | — | $166 | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVCES | 1111 SUPERIOR AVE EAST SUITE 1601 CLEVELAND, OH 44114 | EYEMED VISION CARE | $71 | — | $71 | 0.99% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUMMA CARE | 141 | $619K |
| Dental | DELTA DENTAL OF OHIO | 112 | $38K |
| Vision | EYEMED VISION CARE | 110 | $7K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 106 | $30K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 106 | $30K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 106 | $30K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 106 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.