| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SVCS | 4933 LINCOLN AVENUE LISLE, IL 60532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $7K | $11K | 25.46% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$45 | — | -$45 | -0.10% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $848 | $111 | $959 | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SE | 4933 LINCOLN AVENUE LISLE, IL 60532 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $396 | — | $396 | 7.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE ROAD SUITE #400 LISLE, IL 60532 | EYE MED VISION PLAN | $96 | — | $96 | 10.16% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $44K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $6K |
| Vision | EYE MED VISION PLAN | 176 | $945 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $10K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $10K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $10K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.