| 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 | $438K | $31K | $469K | 10.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $69K | $69K | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 3009 AIRLINGTON HEIGHTS, IL 600063009 | HM LIFE INSURANCE COMPANY | $188K | — | $188K | 12.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | METLIFE LEGAL PLANS | $52K | — | $52K | 8.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HTS, IL 60006 | METLIFE LEGAL PLANS | — | $8K | $8K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MI IN | PO BOX 7007 TROY, MI 480077007 | METLIFE LEGAL PLANS | — | $54 | $54 | 0.01% |
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 | 16,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 119 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA BCBSIL OF HAWAII | 45 | $335K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLNOIS | 13,177 | $765K |
| Vision | EYEMED VISION CARE | 23,634 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,517 | $4.4M |
| Short-term disability(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,570 | $179K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16,192 | $3.7M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 12,092 | $1.5M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,680 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,634 | — |
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.