| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $575 | $575 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $13K | — | $13K | 4.59% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | -$345 | — | -$345 | -0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 9.20% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 NORTH WHITE HORSE PIKE, SUITE 2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 6.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $843 | $843 | 1.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS & OTHER AGENTS | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $405 | $0 | $405 | 0.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 220 WEST MAIN STREET LOUISVILLE, KY 40202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.07% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| NATIONAL BENEFITS PARTNER LLC3 Filed as: NATIONAL BENEFITS PARTNER, LLC | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 1 BURTON HILLS BOULEVARD, SUITE 300 NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 4.28% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 2.49% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.28% |
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 | 1,643 | 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) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,125 | $275K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,643 | $537K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 229 | $58K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,643 | $478K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,676 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,676 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.