| 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 | $296K | $89K | $385K | 9.62% |
| 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 | $10K | $10K | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 245 S EXECUTIVE DRIVE STE 200 BROOKFIELD, WI 53005 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $61K | $0 | $61K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 6.98% |
| AON CONSULTING INC3 | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $17K | $0 | $17K | 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 | 12,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 531 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 348 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 50 | $500K |
| Dental | AETNA LIFE INSURANCE COMPANY | 50 | $288K |
| Vision(2 contracts, 2 carriers) | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | 16,733 | $1.5M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 16,968 | $4.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,945 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 50 | $500K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 12,935 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,968 | — |
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.