| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 4481 ASH GROVE DR SUITE B SPRINGFIELD, IL 62711 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $75 | $10K | 16.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $16 | $3K | 5.47% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $879 | $879 | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MATSONFORD RD 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.02% |
| SNYDER AND SNYDER AGENCY INC3 | 1 BRICKYARD DR BLOOMINGTON, IL 61701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.35% |
| SNYDER AND SNYDER AGENCY INC3 | 1 BRICKYARD DR BLOOMINGTON, IL 61701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.70% |
| SNYDER AND SNYDER AGENCY INC3 | 1 BRICKYARD DR BLOOMINGTON, IL 61701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 33.36% |
| SNYDER AND SNYDER AGENCY INC3 | 1 BRICKYARD DR BLOOMINGTON, IL 61701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $965 | $202 | $1K | 18.15% |
| SNYDER AND SNYDER AGENCY INC3 | 1 BRICKYARD DR BLOOMINGTON, IL 61701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $864 | $147 | $1K | 17.55% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $115K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $86K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.