| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH ALLIANCE MEDICAL PLANS5 | 3310 FIELDS SOUTH DRIVE CHAMPAIGN, IL 61822 | HEALTH ALLIANCE MEDICAL PLAN | — | $60K | $60K | 18.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 300 SOUTH RIVERSIDE PLAZA STE 1500 CHICAGO, IL 60606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $6K | $11K | 9.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $919 | — | $919 | 6.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $849 | $330 | $1K | 20.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC AVE MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE | $587 | — | $587 | 11.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH ALLIANCE MEDICAL PLAN EIN 37-1260731 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 3310 FIELDS SOUTH DRIVE CHAMPAIGN, IL 61822 | $60K |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $125K |
| Vision | VISION SERVICE PLAN | 146 | $15K |
| Life insurance | AETNA LIFE INSURANCE | 231 | $5K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $130K |
| Stop-loss / reinsurancereinsurance | HEALTH ALLIANCE MEDICAL PLAN | 194 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.