| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH ALLIANCE MEDICAL PLANS5 | 3310 FIELDS SOUTH DRIVE CHAMPAIGN, IL 61822 | HEALTH ALLIANCE MEDICAL PLANS | — | $37K | $37K | 18.94% |
| 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 | $3K | $6K | $8K | 7.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 600084036 | VISION SERVICE PLAN | $812 | — | $812 | 6.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INSURANCE COMPANY | $537 | $320 | $857 | 15.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7131 N KNOXVILLE AVE SUITE 1 PEORIA, IL 61614 | GUARDIAN LIFE INSURANCE COMPANY | $272 | — | $272 | 5.04% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD GLENVIEW, IL 60026 | GUARDIAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC AVE SUITE 300 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $483 | — | $483 | 10.96% |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $112K |
| Vision | VISION SERVICE PLAN | 120 | $12K |
| Life insurance | AETNA LIFE INSURANCE CO. | 206 | $4K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $117K |
| Stop-loss / reinsurancereinsurance | HEALTH ALLIANCE MEDICAL PLANS | 171 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.