| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | UNITED AMERICAN INSURANCE COMPANY | $16K | — | $16K | 2.97% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED AMERICAN INSURANCE COMPANY | $8K | — | $8K | 1.48% |
| RICHARD M EBERLEY3 | 1296 SINNISSIPPI PARK ROAD STERLING, IL 610814125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 11.73% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.27% |
| RICHARD M EBERLEY3 Filed as: RICHARD EBERLEY | 1296 SINNISSIPPI PARK ROAD STERLING, IL 610814125 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18K | — | $18K | 13.43% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE - WHEATON, IL | 221 S CHURCH ST BOWLING GREEN, OH 43402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 4.11% |
| RICHARD M EBERLEY3 | 1296 SINNISSIPPI PARK ROAD STERLING, IL 610814125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.37% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.49% |
| RICHARD M EBERLEY3 | 1296 SINNISSIPPI PARK ROAD STERLING, IL 610814125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $711 | — | $711 | 1.66% |
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 | 1,260 | 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) | 1,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 94 | $529K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,354 | $132K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,260 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,223 | $104K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 94 | $529K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,260 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,354 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.