| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE RD SUITE 400 LISLE, IL 60532 | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | $774 | $40K | 3.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS | SERVICES INC 750 WARRENVILLE RD, SUITE 400 LISLE, IL 60532 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 11.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER INS SERVICES INC | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 6.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | VISION SERVICE PLAN | $849 | — | $849 | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE RD SUITE 400 LISLE, IL 60532 | SUN LIFE ASSURANCE COMPANY OF CANADA | $929 | — | $929 | 13.88% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 152 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 76 | $56K |
| Vision | VISION SERVICE PLAN | 63 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $61K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
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.