| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH ALLIANCE MEDICAL PLANS5 | 3310 FIELDS SOUTH DRIVE CHAMPAIGN, IL 61822 | HEALTH ALLIANCE MEDICAL PLANS | — | $40K | $40K | 18.81% |
| 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 | $5K | $6K | $11K | 9.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $851 | — | $851 | 6.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $800 | $321 | $1K | 21.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC AVENUE SUITE 300 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE | $598 | — | $598 | 12.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH ALLIANCE MEDICAL PLAN EIN 37-1260731 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 3310 FIELDS SOUTH DRIVE CHAMPAIGN, IL 61822 | $40K |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $116K |
| Vision | VISION SERVICE PLAN | 136 | $14K |
| Life insurance | AETNA LIFE INSURANCE | 217 | $5K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $121K |
| Stop-loss / reinsurancereinsurance | HEALTH ALLIANCE MEDICAL PLANS | 183 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.