| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $44K | $3K | $47K | 4.17% |
| FELTER INC3 Filed as: FELTER INC. | 5403 COMMONWEALTH AVE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 10.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 592 WINNEBAGO, IL 61088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $164 | $5K | 9.49% |
| RICHARD STURM3 | 3231 SOUTH HALSTED CHICAGO, IL 60608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $329 | $2K | 3.86% |
| JORGE CASTELLANOS3 Filed as: JORGE H CASTELIANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $102 | $1K | 2.38% |
| WILLIAM J MORRIS3 | COLONIAL LIFE INS. CO ROCKFORD, IL 61108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.53% |
| AGSANT GROUP INC3 | 5500 W 35TH ST CICERO, IL 60804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.36% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP | 5301 E STATE ST ROCKFORD, IL 61108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.23% |
| RUSSELL R DIXON3 | PO BOX 27 WHEATON, IL 60187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.13% |
| MICHAEL BLOCK3 | 16619 S PINECREEK DR LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $18 | $40 | 0.08% |
| MAGDALENA RUIZ DE GOMEZ3 | 163 STILLWOOD DR NEWNAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| MICHAEL A SMITH3 | 1952 S PRAIRIE AVE CHICAGO, IL 60616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| ROBERT W VESTAL3 | PO BOX 1240 DELAND, FL 32721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1515 SOUTH MERIDIAN ROAD ROCKFORD, IL 61102 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 16.40% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 211 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 179 | $48K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $48K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 179 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
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.