| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $180K | $6K | $186K | 3.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD STE 350 ROLLING MEADOWS, IL 60008 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $21K | $8K | $30K | 20.75% |
| EOI SERVICE COMPANY INC3 | 1820 E FIRST SUITE 400 SANTA ANA, CA 92705 | RELIASTAR LIFE INSURANCE COMPANY | $38K | $3K | $41K | 43.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 21.79% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 502656463 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 5.30% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E FIRST SUITE 400 SANTA ANA, CA 92705 | COMBINED INSURANCE | $4K | — | $4K | 6.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD 11TH FLOOR SUITE 207 ROLLING MEADOWS, IL 60008 | COMBINED INSURANCE | $2K | — | $2K | 3.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $286 | — | $286 | 0.84% |
| JAMES D DAVIDSON3 | 1820 E 1ST STREET SUITE 400 SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $995 | — | $995 | 4.53% |
| JAMES D DAVIDSON3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 13.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $791 | — | $791 | 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 | 499 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 767 | $5.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 767 | $5.2M |
| Vision | EYEMED VISION CARE | 586 | $34K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 507 | $194K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 507 | $143K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 507 | $143K |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 833 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.