| 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 | $247K | — | $247K | 5.84% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVE., 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $77K | — | $77K | 2.93% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 212 W. KINZIE ST., FLOOR 4 CHICAGO, IL 60654 | COMBINED INSURANCE | $54K | — | $54K | 12.08% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE, INC. | 306 S. STATE ROAD 446 BLOOMINGTON, IN 47401 | COMBINED INSURANCE | $23K | — | $23K | 5.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE STE 450 SAN DIEGO, CA 921221071 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | — | $24K | 5.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | KAISER FOUNDATION HEALTH PLAN INC. | — | $303 | $303 | 0.07% |
| 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 | $2K | — | $2K | 7.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD FL 11 ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | — | $353 | $353 | 1.15% |
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 | 8,228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 281 | $3.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 281 | $107K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 281 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,228 | $4.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,228 | $4.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,228 | $4.2M |
| Prescription drug | HIGHMARK INC. | 281 | $2.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,228 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,228 | — |
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.