| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1000 EAST WARRENVILLE ROAD STE 230 NAPERVILLE, IL 60563 | BLUECROSS BLUESHIELD OF ILLINOIS | $46K | $4K | $50K | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PARK CENTRAL 7/12750 MERIT DRIVE SUITE 1000 DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $16K | $47K | 12.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1000 EAST WARRENVILLE ROAD STE 230 NAPERVILLE, IL 60563 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 7.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD., 11TH FLOOR ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $2K | — | $2K | 5.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | EYEMED VISION CARE | $715 | — | $715 | 2.39% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 500 | $4.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 519 | $376K |
| Vision | EYEMED VISION CARE | 443 | $30K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 570 | $156K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 519 | $376K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 519 | $376K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 570 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.