| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS | SERVICES, INC. 4933 LINCOLN AVENUE LISLE, IL 60532 | BLUECROSS BLUESHIELD OF ILLINOIS | $99K | $2K | $100K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS | SERVICES, INC. 750 WARRENVILLE RD. SUITE 400 LISLE, IL 60532 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 19.98% |
| AXION RMS LTD3 | 2651 WARRENVILLE RD. STE. 200 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 3.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT | SERVICES, INC. 4933 LINCOLN AVENUE LISLE, IL 60532 | DELTA DENTAL OF ILLINOIS | $10K | — | $10K | 10.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT | SERVICES, INC. 4933 LINCOLN AVENUE LISLE, IL 60532 | EYEMED VISION CARE | $2K | — | $2K | 9.13% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: AXION RISK MANAGEMENT STRATEGIES | 2651 WARRENVILLE RD. #200 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $144 | — | $144 | 0.82% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 435 | $2.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 160 | $95K |
| Vision | EYEMED VISION CARE | 295 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $100K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $100K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $100K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.