| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 2315 ENTERPRISE DR., SUITE 105 WESTCHESTER, IL 60154 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $5K | $5K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BN. SVCS INC. (PROSOURCE) | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 4.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DR. STE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DR. STE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 7.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DR. STE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $336 | $336 | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DR. STE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $564 | $75 | $639 | 13.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DR. STE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10 | $10 | 1.89% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 699 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 441 | $254K |
| Vision | VISION SERVICE PLAN | 289 | $25K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $72K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 699 | $4.2M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.