| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $415K | $51K | $466K | 11.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON, IL 600063009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $65K | $65K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 3009 AIRLINGTON HEIGHTS, IL 60006 | HM LIFE INSURANCE COMPANY | $169K | — | $169K | 12.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | HYATT LEGAL PLANS | $51K | $9K | $60K | 11.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | HYATT LEGAL PLANS | $0 | $75 | $75 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $218 | $218 | 2.31% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $19K | — | $19K | — |
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 | 16,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 141 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA BCBSIL OF HAWAII | 49 | $362K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLNOIS | 12,901 | $760K |
| Vision | EYEMED VISION CARE | 22,512 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,940 | $4.1M |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 804 | $522K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14,124 | $3.1M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 11,572 | $1.3M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,112 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,512 | — |
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.