| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIXIR INSURANCE COMPANY5 | 7835 FREEDOM AVENUE NW NORTH CANTON, OH 44720 | ELIXIR INSURANCE COMPANY | — | $365 | $365 | 0.10% |
| HEALTH ALLIANCE MEDICAL PLANS5 | 3310 FIELD SOUTH DRIVE CHAMPAIGN, IL 61822 | HEALTH ALLIANCE MEDICAL PLANS | — | $47K | $47K | 13.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $108K | $11K | $119K | 110.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $962 | — | $962 | 6.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $500 | $3K | 18.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 12750 MERIT DRIVE SUITE 1000 DALLAS, IL 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $824 | $202 | $1K | 18.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH ALLIANCE EIN 37-1260731 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 3310 FIELD SOUTH DRIVE CHAMPAIGN, IL 61822 | $47K |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 242 | $108K |
| Vision | VISION SERVICE PLAN | 159 | $16K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 242 | $108K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $19K |
| Prescription drug | ELIXIR INSURANCE COMPANY | 224 | $359K |
| Stop-loss / reinsurancereinsurance | HEALTH ALLIANCE MEDICAL PLANS | 224 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.