| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 ILLINOIS ST STE 207 ST CHARLES, IL 60174 | BLUECROSS BLUESHIELD OF ILLINOIS | $143K | — | $143K | 2.96% |
| MCHC INSURANCE SERVICES INC3 | 222 S RIVERSIDE PLAZA, 19TH FLOOR CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $127 | — | $127 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 ILLINOIS ST. SUITE 207 ST. CHARLES, IL 60174 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC GBS | FINANCE TWO PIERCE PLACE 14TH FLR ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 4.53% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 900 N FRANKLIN ST #900 CHICAGO, IL 60610 | COMBINED INSURANCE | $39K | — | $39K | 49.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 ILLINOIS ST SUITE 207 ST. CHARLES, IL 60174 | COMBINED INSURANCE | $21K | — | $21K | 26.47% |
| JAMES D DAVIDSON3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 34.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 18.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W. GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $187 | — | $187 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | EYEMED VISION CARE | $17 | — | $17 | 0.08% |
| JAMES D DAVIDSON3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 729 | $4.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 869 | $272K |
| Vision | EYEMED VISION CARE | 413 | $21K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 538 | $418K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 538 | $339K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 538 | $339K |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 538 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 869 | — |
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.