| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084050 | BLUECROSS BLUESHIELD OF ILLINOIS | $94K | — | $94K | 3.90% |
| WEISS INSURANCE AGENCY INC3 Filed as: WEISS INSURANCE AGENCIES INC | 31 W 680 ARMY TRAIL RD WAYNE, IL 60184 | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | $2K | $21K | 0.87% |
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 601433202 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $29K | $64K | 16.17% |
| WEISS INSURANCE AGENCY INC3 | 31W680 ARMY TRAIL RD WAYNE, IL 601842154 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.00% |
| AE MOURAD AGENCY, INC.3 Filed as: AE MOURAD AGENCY | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | TOTAL HEALTH CARE USA, INC. | $120 | — | $120 | 0.63% |
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 | 502 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 502 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $396K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $415K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $396K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $396K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $396K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 4 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.