| 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 | $113K | $3K | $116K | 6.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 11 ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $76K | $10K | $86K | 19.62% |
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 601433202 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.92% |
| WEISS INSURANCE AGENCY INC3 | 31W680 ARMY TRAIL RD WAYNE, IL 60184 | METROPOLITAN LIFE INSURANCE COMPANY | $864 | — | $864 | 11.55% |
| EUCLID INSURANCE SERVICES INC3 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $442 | — | $442 | 5.91% |
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 | 417 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 417 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 533 | $440K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 533 | $440K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 533 | $440K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 533 | $440K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 533 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.