| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUECROSS BLUESHIELD OF ILLINOIS | $64K | $2K | $66K | 4.08% |
| AFFILIATED BENEFIT CONSULTANTS3 Filed as: AFFILIATED BENEFIT CONSULTANTS INC. | 1111 W 22ND ST., STE 620 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1K | $1K | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $26K | — | $26K | 18.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES LLC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 8.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $502 | — | $502 | 4.16% |
| JOHN A. CORP.3 | 1111 W 22ND ST. STE. 620 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $317 | — | $317 | 2.63% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 170 | $75K |
| Vision | VISION SERVICE PLAN | 144 | $12K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 291 | $136K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 291 | $136K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 291 | $136K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 227 | $1.6M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 291 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.