| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $143K | $205K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $7K | $70K | 3.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 072103 CARMEL 2 PO BOX 4135 CLINTON, AA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 1.00% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $13K | $48K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $13K | $48K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 4.36% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $51K | $88K | 11.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $7K | $44K | 5.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 072103 CARMEL 2 PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.00% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $48K | $98K | 14.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $6K | $56K | 8.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 072103 CARMEL 2 PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.00% |
| THE MILSTEIN COMPANY3 Filed as: THE MILSTEIN COMPANY, INC. | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | VISION SERVICE PLAN | $33K | — | $33K | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 4.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | $2K | $119K | 27.09% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | $2K | $119K | 27.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | $3K | $79K | 22.84% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | $3K | $79K | 22.84% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $7K | $12K | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $7K | $12K | 5.59% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $12K | $20K | 11.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $927 | $9K | 5.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 072103 CARMEL 2 PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| THE MILSTEIN COMPANY3 | 104 RIVERSHIRE LANE LINCOLNSHIRE, IL 60069 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $8K | $16K | 14.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $981 | $9K | 8.43% |
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 | 7,133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 94 | $1.3M |
| Vision | VISION SERVICE PLAN | 4,321 | $657K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,133 | $945K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,044 | $4.1M |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,913 | $966K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 94 | $1.3M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,133 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,133 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.