| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $6K | $169 | $6K | 6.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | PO BOX 3009 ARLINGTON HEIGHTS, IL 60009 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $417 | — | $417 | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR GALLAGHER RISK MGMT SVC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SVCS 3 | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Other fees; Non-monetary compensation Service code 22 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | $0 |
| NANCY J. SNELL 3 | Other commissions; Insurance brokerage commissions and fees; Other fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 30150 TELEGRAPH ROAD STE 408 BINGHAM FARMS, IL 48025 | $0 |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 186 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 245 | $97K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 319 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 172 | $0 |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 72 | $18K |
| Other | ULLIANCE INC. | 176 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.