| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM P MCGARIGLE3 | 1235 S PRAIRIE AVE APT 3303 CHICAGO, IL 606053409 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.58% |
| WILLIAM P MCGARIGLE3 | 1235 S PRAIRIE AVE SUITE 3303 CHICAGO, IL 606053409 | PRINCIPAL LIFE INSURANCE COMPANY | $52K | — | $52K | 12.16% |
| WILLIAM P MCGARIGLE3 | 1235 S PRAIRIE AVE SUITE 3303 CHICAGO, IL 606053409 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $617K |
| WILLIAM P MCGARIGLE BROKER | Other commissions Service code 55 | 1235 S PRAIRIE AVE APT 3303 CHICAGO, IL 606053409 | $40K |
| SUN LIFE INSURANCE COMPANY OF CANAD EIN 38-1082080 NONE | Other fees; Claims processing Service code 12 | — | $36K |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,277 | $431K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,277 | $733K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,277 | $431K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,741 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,741 | — |
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.