| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | BLUECROSS BLUESHIELD OF ILLINOIS | $49K | $1K | $51K | 3.94% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: EMPLOYEE BENEFIT RISK MANAGEMENT | 823 COMMERCE DRIVE #350 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR AND GALLAGHER | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | COMPANION LIFE INSURANCE COMPANY | $63K | — | $63K | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 17.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,212 | $1.9M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,212 | $723K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,212 | $645K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,212 | $673K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,212 | $658K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $17K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,212 | — |
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.