| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $21K | $21K | 5.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 2.93% |
| AGENCY INSURANCE INC3 Filed as: AGENCY SERVICES ONLINE INC | — | DELTA DENTAL OF ILLINOIS | $1K | — | $1K | 2.07% |
| MAGNUM INSURANCE AGENCY CO INC3 | 2250 E DEVON AVE STE 329 DES PLAINES, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| PHILIP MICHAEL LAZARUS3 | 1633 2ND ST APT 204 HIGHLAND PARK, IL 60035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2315 ENTERPRISE DRIVE SUITE 105 WESTCHESTER, IL 60154 | PROTEC INSURANCE COMPANY | $815 | — | $815 | 5.03% |
| AGENCY INSURANCE INC3 Filed as: AGENCY SERVICES ONLINE INC | — | PROTEC INSURANCE COMPANY | $715 | — | $715 | 4.41% |
| MAGNUM INSURANCE AGENCY CO INC3 | 2250 E DEVON AVE STE 329 DES PLAINES, IL 60018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| PHILIP MICHAEL LAZARUS3 | 1633 2ND ST APT 204 HIGHLAND PARK, IL 60035 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $251 | — | $251 | 5.00% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $399K |
| Dental | DELTA DENTAL OF ILLINOIS | 163 | $72K |
| Vision | PROTEC INSURANCE COMPANY | 119 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $38K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.