| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 5.85% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF IL | — | DELTA DENTAL OF ILLINOIS | $1K | — | $1K | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 14.95% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY SUITE 300 OMAHA, NE 68145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $620 | $4K | 14.94% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY SUITE 300 OMAHA, NE 68145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $636 | — | $636 | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $546 | $4K | 14.88% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY SUITE 300 OMAHA, NE 68145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $575 | — | $575 | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $659 | — | $659 | 3.28% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP, LLC DBA FIRS | 11000 US ROUTE 34 SUITE 1 PLANO, IL 60545 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $156 | — | $156 | 0.78% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 194 | $134K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 280 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 390 | $56K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 329 | $27K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 390 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.