| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD REMAK3 Filed as: RONALD REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $327K | — | $327K | 7.59% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $65K | — | $65K | 2.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE STE 450 SAN DIEGO, CA 921221071 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 4.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER - IRVINE | P O BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | KAISER FOUNDATION HEALTH PLAN INC. | — | $1K | $1K | 0.25% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 212 W KINZIE ST FLOOR 4 CHICAGO, IL 60654 | COMBINED INSURANCE | $270K | — | $270K | 58.22% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE, INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | COMBINED INSURANCE | $116K | — | $116K | 24.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | GBS FINANCE 2850 GOLF ROAD FL 5 ROLLING MDWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.81% |
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 | 7,823 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 272 | $2.7M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 286 | $115K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 272 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,034 | $4.8M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,034 | $4.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,034 | $4.3M |
| Prescription drug | HIGHMARK INC. | 272 | $2.2M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,034 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,034 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.