| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 220 EMERSON PL STE 304 DAVENPORT, IA 528011624 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $32K | $32K | 4.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES. INC. | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | — | $6K | 3.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT EIN 42-1426202 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | $8K |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $923K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 187 | $14K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 187 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.