| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 592 WINNEBAGO, IL 60188 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $3K | $3K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 555 S. PERRYVILLE RD ROCKFORD, IL 61108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GBS FINANCIAL ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 592 WINNEBAGO, IL 61088 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $449 | — | $449 | 1.48% |
| THE MILLER GROUP3 Filed as: MILLER SERVICES, INC. | 1515 S MERIDIAN ROAD ROCKFORD, IL 61102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $407 | — | $407 | 1.34% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 453 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 453 | $2.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 410 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 453 | $2.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 453 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.