| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 EAST 4TH STREET, #625 CINCINNATI, OH 45202 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 14.01% |
| MACALLISTER MACHINERY CO., INC.3 | 6300 SOUTHEASTERN AVENUE INDIANAPOLIS, IN 46203 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 EAST 4TH STREET, #625 CINCINNATI, OH 45202 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 11.79% |
| MACALLISTER MACHINERY CO., INC.3 | 6300 SOUTHEASTERN AVENUE INDIANAPOLIS, IN 46203 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $671 | $671 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 12.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $662 | — | $662 | 1.25% |
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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 447 | $134K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 347 | $153K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.