| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | SECURIAN LIFE INSURANCE COMPANY | $257K | $116K | $372K | 7.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $62K | $0 | $62K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | METROPOLITAN LIFE INSURANCE COMPANY | $93K | $107 | $93K | 8.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $111 | $111 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVE, SUITE 200 DURHAM, NC 27703 | KAISER FOUNDATION HEALTH PLAN, INC. | $27K | $0 | $27K | 3.55% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.20% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 5.74% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD MILWAUKEE, WI 53226 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PENNSYLVANIA | $3K | $0 | $3K | 20.00% |
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 | 16,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 689 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 627 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 122 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 26 | $175K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,744 | $1.3M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 19,750 | $5.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,457 | $1.2M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 122 | $1.1M |
| Other(3 contracts, 3 carriers) | CURALINC HEALTHCARE | 16,209 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,744 | — |
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.