| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $43K | $37K | $80K | 4.48% |
| RIVER POINT INSURANCE SERVICES LLC3 Filed as: RIVER POINT INSURANCE SERVICES, LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $43K | — | $43K | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 EAST JACKSON BOULEVARD 14TH FLOOR SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $74 | $25K | 17.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $54 | $4K | 4.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14 | $14 | 0.02% |
| RIVER POINT INSURANCE SERVICES LLC3 Filed as: RIVER POINT INSURANCE SERVICES | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 16.00% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 3.23% |
| RIVER POINT INSURANCE SERVICES LLC3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 28.17% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 7.92% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 7.92% |
| RIVER POINT INSURANCE SERVICE3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 19.11% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 4.52% |
| RIVER POINT INSURANCE SERVICE3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IA 60631 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 16.88% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $37 | $4K | 14.05% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.43% |
| RIVER POINT INSURANCE SERVICES LLC3 | — | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 44.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $350 | $41 | $391 | 5.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $250 | $250 | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.15% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 784 | $1.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 496 | $17K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 464 | $23K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $95K |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 101 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $143K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.