| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | CIGNA HEATH AND LIFE INSURANCE COMPANY AND AFFILIATES | $153K | — | $153K | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W. GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA HEATH AND LIFE INSURANCE COMPANY AND AFFILIATES | $105K | — | $105K | 1.28% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEATH AND LIFE INSURANCE COMPANY AND AFFILIATES | $56K | — | $56K | 0.68% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA HEATH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $52K | $52K | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1 JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 3.50% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W. GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 7.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 10.46% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $209 | — | $209 | 0.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.74% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $194 | — | $194 | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1 JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 11.41% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | FIRST UNUM LIFE INSURANCE COMPANY | $964 | — | $964 | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W. GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | — | $256 | $256 | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $136 | $3K | 13.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.87% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $180 | — | $180 | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $98 | $2K | 13.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $699 | — | $699 | 13.10% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $102 | — | $102 | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $172 | $9 | $181 | 13.66% |
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 | 555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEATH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,336 | $8.2M |
| Dental | CIGNA HEATH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,336 | $8.2M |
| Vision | CIGNA HEATH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,336 | $8.2M |
| Life insurance(6 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 120 | $336K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 120 | $261K |
| Long-term disability(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 120 | $320K |
| Prescription drug | CIGNA HEATH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,336 | $8.2M |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 120 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,336 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.