| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1900 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1K | $1K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $38K | $13K | $50K | 5.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 22.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN NEW YORK, NY 00000 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 20.00% |
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 | 1,913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 175 | $1000K |
| Vision | VISION SERVICE PLAN | 1,339 | $217K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,926 | $971K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,926 | $971K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 175 | $1000K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,058 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,058 | — |
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.