| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3 EXECUTIVE CT STE 3 S BARRINGTON, IL 60010 | BLUECROSS BLUESHIELD OF ILLINOIS | $61K | $3K | $65K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BLVD W SUITE 500 MINNEAPOLIS, MN 55431 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $15K | 16.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3 EXECUTIVE CT STE 3 S BARRINGTON, IL 60010 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 8.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3 EXECUTIVE CT., STE. 3 S BARRINGTON, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 3 EXECUTIVE CT STE 3 S BARRINGTON, IL 60010 | ALPHA DENTAL PROGRAMS, INC. | $366 | — | $366 | 5.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 274 | $1.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 116 | $92K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $92K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $92K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $92K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 274 | $1.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.