| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1000 E WARRENVILLE RD #230 NAPERVILLE, IL 60563 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $161K | $3K | $165K | 12.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $428 | $7K | 16.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $294 | $5K | 15.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | KEMPER CORPORATION | $524 | — | $524 | 17.98% |
| KEMPER BENEFITS3 | 200 E RANDOLPH STREET #3300 CHICAGO, IL 60601 | KEMPER CORPORATION | $145 | — | $145 | 4.98% |
| KENNETH DALTON HOLDERBAUM III3 | — | KEMPER CORPORATION | $19 | — | $19 | 0.65% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFITS RESOURCE LLC | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | KEMPER CORPORATION | $19 | — | $19 | 0.65% |
| STEVEN BELL3 | 13616 KANIS ROAD LITTLE ROCK, AR 72211 | KEMPER CORPORATION | $19 | — | $19 | 0.65% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 901 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 901 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 901 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $131K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 334 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $77K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 901 | $1.3M |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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.