| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD. #400 LISLE, IL 60532 | HCC LIFE | $62K | — | $62K | 17.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SVCS INC. | 4933 LINCOLN AVE STE 5 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SVCS INC | 4933 LINCOLN AVE STE 5 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD. #400 LISLE, IL 60532 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 17.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SE | 4933 LINCOLN AVE LISLE, IL 60532 | GUARDIAN | $426 | $693 | $1K | 5.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SVCS INC. | 4933 LINCOLN AVE STE 5 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $493 | — | $493 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SVCS INC | 4933 LINCOLN AVE STE 5 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $487 | — | $487 | 5.00% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 146 | $22K |
| Vision | GUARDIAN | 146 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $10K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE | 142 | $375K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.