| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1411 OPUS PLACE SUITE 400 DOWNERS GROVE, IL 60515 | BLUECROSS BLUESHIELD OF ILLINOIS | $137K | $2K | $139K | 4.06% |
| JOHN ARAUJO3 | 1 N WACKER DRIVE STE 4600 CHICAGO, IL 60606 | NORTHWESTERN MUTUAL | $6K | $2K | $8K | 3.12% |
| MCQUADE FNCL GRP LLC3 | 1 N WACKER DRIVE STE 4600 CHICAGO, IL 60606 | NORTHWESTERN MUTUAL | $1K | $152 | $1K | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD FL 11 ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $15K | $24K | 9.84% |
| JOHN ARAUJO3 | 1 N WACKER DR, STE 4600 CHICAGO, IL 60606 | NORTHWESTERN MUTUAL- TEMPORARY INSURANCE | $3K | $859 | $4K | 5.03% |
| MCQUADE FNCL GRP LLC3 | 1 N WACHER DR, STE 4600 CHICAGO, IL 60606 | NORTHWESTERN MUTUAL- TEMPORARY INSURANCE | $682 | $82 | $764 | 0.90% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 475 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 472 | $240K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 472 | $240K |
| Short-term disability | NORTHWESTERN MUTUAL- TEMPORARY INSURANCE | 169 | $85K |
| Long-term disability | NORTHWESTERN MUTUAL | 169 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.