| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 6.12% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.99% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $763 | $763 | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.65% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $921 | — | $921 | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $815 | $815 | 4.10% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $726 | — | $726 | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $719 | $719 | 3.75% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $606 | — | $606 | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $482 | — | $482 | 4.26% |
| CLEAR INSIGHT BENEFITS CONSULTING3 | 451 DUNHAM ROAD 600 ST. CHARLES, IL 60174 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $142 | — | $142 | 1.26% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 158 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $20K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $224K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.