| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 SUITE 1600 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | MEDICAL MUTUAL | $2K | $579 | $3K | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | CIGNA GROUP INSURANCE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $5 | $3K | 5.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | CIGNA GROUP INSURANCE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | CIGNA GROUP INSURANCE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $830 | — | $830 | 15.01% |
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 | 594 | 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) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 477 | $252K |
| Vision | MEDICAL MUTUAL | 360 | $64K |
| Life insurance | CIGNA GROUP INSURANCE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 594 | $17K |
| Short-term disability | CIGNA GROUP INSURANCE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 593 | $60K |
| Long-term disability | CIGNA GROUP INSURANCE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 593 | $48K |
| Other | CIGNA GROUP INSURANCE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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."
No prospect flags tripped on this filing.