| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10001 WOODLOCH FOREST DRIVE SUITE 175 SPRING, TX 77380 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $550K | $0 | $550K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $175K | $175K | 4.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 4135 CLINTON, IA 52733 | METROPOLITAN LIFE INSURANCE COMPANY | $115K | $63 | $115K | 4.96% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $34K | $75K | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $75 | $75 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 WEST MONROE STREET CHICAGO, IL 60603 | METROPOLITAN LIFE INSURANCE COMPANY | -$26K | $63 | -$26K | -1.10% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $356K | $0 | $356K | 23.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $192K | $76K | $268K | 17.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $65K | $65K | 4.28% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | UNKNOWN OAK BROOK, IL 60523 | COMBINED INSURANCE | $215K | $0 | $215K | 29.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1500 CHICAGO, IL 60606 | COMBINED INSURANCE | $121K | $0 | $121K | 16.42% |
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 | 4,803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 279 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,375 | $8.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,155 | $2.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 7,155 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,803 | $4.4M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,803 | $3.7M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,803 | $3.7M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,375 | $8.6M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,803 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,155 | — |
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.