| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LEADERS GROUP INC3 Filed as: THE LEADERS GROUP, INC. | 26 WEST DRY CREEK CIR STE 800 LITTLETON, CO 80120 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 3.44% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INSURANCE AND FINANCIAL SERVICE | 21820 BURBANK BLVD STE 301 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, IN | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES DBA | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $31K | $0 | $31K | 42.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES DBA | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM INSURANCE COMPANY | $28K | $0 | $28K | 46.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENNEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 22035 KAREN STREET ELKHORN, NE 68022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.41% |
| GREGORY A MCROBERTS3 Filed as: GREGORY A. MCROBERTS | 900 EAST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.10% |
| PETER H HOOPIS3 Filed as: PETER H. HOOPIS | 300 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 1,201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,227 | $16.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $66K |
| Vision | VISION SERVICE PLAN | 921 | $112K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,153 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,153 | $549K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 2,227 | $16.8M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,153 | $896K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.