| 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 | $500K | $19K | $518K | 10.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 3009 AIRLINGTON HEIGHTS, IL 600063009 | HM LIFE INSURANCE COMPANY | $223K | — | $223K | 12.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2601 CAMBRIDGE COURT, BUILDING II SUITE 435 AUBURN HILLS, MI 48326 | METLIFE LEGAL PLANS | $47K | $41 | $47K | 8.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CA | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 912033944 | METLIFE LEGAL PLANS | — | $9K | $9K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | METLIFE LEGAL PLANS | $5K | — | $5K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | — | $35 | $35 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $20K | — | $20K | 20.00% |
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 | 15,907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 145 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA BCBSIL OF HAWAII | 38 | $290K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLNOIS | 12,798 | $731K |
| Vision | EYEMED VISION CARE | 22,827 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,868 | $5.0M |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,185 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16,540 | $318K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 11,711 | $1.8M |
| Other(6 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,868 | $10.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,827 | — |
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.