| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SVCS. | DBA CONNOR GALLAGHER INSURANCE AGEN 750 WARRENVILLE ROAD LISLE, IL 60532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 11.96% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS, INC. | 799 ROOSEVELT RD. #6-107 GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 5.56% |
| NFP INSURANCE SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES NFP | 929 S. ALPINE RD. #402 ROCKFORD, IL 61108 | DELTA DENTEAL OF ILLINOIS | $917 | — | $917 | 13.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SVCS. | 750 WARRENVILLE ROAD LISLE, IL 60532 | DELTA DENTEAL OF ILLINOIS | $422 | — | $422 | 6.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | DBA CONNOR GALLAGHER INSURANCE AGEN 750 WARRENVILLE ROAD LISLE, IL 60532 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $489 | — | $489 | 10.12% |
| LEFTLANE INC3 Filed as: LEFTLANE, INC. | 2145 FORD PKWY. #200 ST. PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43 | $23 | $66 | 1.37% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $291K |
| Dental | DELTA DENTEAL OF ILLINOIS | 106 | $7K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 81 | $5K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 81 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.