| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $30K | $30K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | KAISER FOUNDATION HEALTH PLAN INC | $131K | — | $131K | 4.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112K | $38K | $150K | 8.06% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST. LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74K | $45K | $119K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | KAISER FOUNDATION HEALTH PLAN INC | $63K | — | $63K | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $153K | $35K | $188K | 18.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | COMBINED INSURANCE | $134K | — | $134K | 19.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVCES INC | 650 E CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89K | $35K | $124K | 20.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GULF ROAD ROLLING MEADOWS, IL 60008 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $26K | — | $26K | 4.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | $8K | $74K | 16.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | COMBINED INSURANCE | $45K | — | $45K | 23.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $5K | $27K | 18.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 460323009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 3,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 169 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 5,549 | $33.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,025 | $1.9M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,014 | $375K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,975 | $1.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 885 | $438K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,196 | $732K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,975 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,549 | — |
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."
No prospect flags tripped on this filing.