| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | SECURIAN LIFE INSURANCE COMPANY | $269K | $88K | $358K | 9.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 245 S EXECUTIVE DRIVE STE 200 BROOKFIELD, WI 53005 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $65K | $0 | $65K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 245 S EXECUTIVE DRIVE STE 200 BROOKFIELD, WI 53005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.13% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 245 S EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $0 | $1K | 0.98% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC | -$1K | $0 | -$1K | -0.75% |
| AON CONSULTING INC3 | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $13K | $0 | $13K | 15.00% |
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 | 12,889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 233 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 299 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 60 | $558K |
| Dental | AETNA LIFE INSURANCE COMPANY | 60 | $408K |
| Vision(2 contracts, 2 carriers) | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | 18,854 | $1.7M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 16,910 | $3.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,133 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 60 | $558K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 12,889 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,854 | — |
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.