| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH ALLIANCE MEDICAL PLANS5 | 301 S VINE ST URBANA, IL 61801 | HEALTH ALLIANCE MEDICAL PLANS | — | $31K | $31K | 18.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7131 N KNOXVILLE AVE SUITE 1 PEORIA, IL 61614 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 10.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 60413 | VISION SERVICE PLAN | $798 | — | $798 | 7.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7131 N KNOXVILLE AVE SUITE 1 PEORIA, IL 61614 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $796 | $334 | $1K | 21.29% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 FELLOWSHIP RD STE 201 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO | $240 | — | $240 | 6.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC AVE SUITE 300 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO | $173 | — | $173 | 5.03% |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $102K |
| Vision | VISION SERVICE PLAN | 106 | $11K |
| Life insurance | AETNA LIFE INSURANCE CO | 199 | $3K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $107K |
| Stop-loss / reinsurancereinsurance | HEALTH ALLIANCE MEDICAL PLANS | 154 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.