| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 4.09% |
| RICHARD M EBERLEY3 | 1296 SINNISSIPPI PARK ROAD STERLING, IL 610814125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 15.00% |
| RICHARD M EBERLEY3 Filed as: RICHARD EBERLEY | 1296 SINNISSIPPI PARK ROAD STERLING, IL 610814125 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.41% |
| RICHARD M EBERLEY3 | 1296 SINNISSIPPI PARK ROAD STERLING, IL 610814125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.84% |
| RICHARD M EBERLEY3 | 1296 SINNISSIPPI PARK ROAD STERLING, IL 610814125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
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 | 979 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 72 | $332K |
| Vision | VISION SERVICE PLAN | 906 | $119K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,092 | $180K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,041 | $84K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,092 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.