| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $51 | $51 | 0.00% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2 | $6K | 1.73% |
| SCHWARTZ BENEFIT SERVICES INC3 Filed as: SCHWARTZ BENEFIT SERVICES, INC. | 500 WEST MADISON STREET, SUITE 2700 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 125 SOUTH WACKER DRIVE, SUITE 500 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 3000 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14K | $201 | $14K | 21.15% |
| PETER H HOOPIS3 | 300 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $768 | $2K | 3.01% |
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 | 665 | 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) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,711 | $9.1M |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 7 | $84K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 664 | $760K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 664 | $507K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,711 | $9.0M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,873 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,873 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.