| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 FRANKLIN, MI 48025 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 13.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 2.35% |
| KENDALL MARK3 | 55 WEST MONROE STREET CHICAGO, IL 60603 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.66% |
| DAVID A PEARRE3 Filed as: DAVID A PEARRE II | 101 WAUKEGAN ROAD, SUITE 990 LAKE BLUFF, IL 60044 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $669 | — | $669 | 1.75% |
| CSIG INS AGENCY OF IL INC3 Filed as: CSIG INS. AGENCY OF IL, INC. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $404 | — | $404 | 1.06% |
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 | 1,846 | 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) | 1,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,160 | $217K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,471 | $270K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,813 | $264K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,471 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,471 | — |
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.