| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 555 S PERRYVILLE RD ROCKFORD, IL 61108 | UNITED HEALTHCARE INSURANC COMPANY | $5K | $80K | $86K | 4.44% |
| ROCKFORD PREFERRED INS SVCS3 | 5301 EAST STATE STREET ROCKFORD, IL 61108 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 7.76% |
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANC COMPANY | 241 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $291K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $291K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $291K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $291K |
| Prescription drug | UNITED HEALTHCARE INSURANC COMPANY | 241 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.