| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | GBS FINANCE 14TH FLOOR 2 PIERCE PLACE ITASCA, IL 601433141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | GBS ACCOUNTING 11TH FLOOR 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.52% |
| WILLIAMS-MANNY INC3 | 555 S PERRYVILLE RD ROCKFORD, IL 61108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $423 | $4K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 11TH FLOOR 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.0 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 601433141 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 9.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | GBS FINANCE 14TH FLOOR 2 PIERCE PLACE ITASCA, IL 601433141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.53% |
| WILLIAMS-MANNY INC3 | 555 S PERRYVILLE RD ROCKFORD, IA 61108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $256 | $4K | 2.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 11TH FLOOR 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.0 | 2 PIERCE PL 14TH FLR ITASCA, IL 601431203 | KAISER FOUNDATION HEALTH PLAN, INC. | $0 | $15 | $15 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W. GOLF RD, FIFTH FLOOR. ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 7.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 601433141 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $477 | — | $477 | 0.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 601433141 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LAMSON CONSULTING GROUP LLC4 | 1038 SHENANDOAH LN SPRING HILLS, FL 34060 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 14.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W. GOLF RD, FIFTH FLOOR ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $92 | — | $92 | 8.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE - 14TH FLOOR ITASCA, IL 601433141 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15 | — | $15 | 1.33% |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $311K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 952 | $61K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 587 | $480K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 587 | $326K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 11 | $74K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 587 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.