| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BLUECROSS BLUESHIELD OF ILLINOIS | $102K | $16 | $102K | 5.02% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | — | $75K | 4.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.48% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $48K | $55K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $62K | $36 | $62K | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | — | $1K | $1K | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS, INC. | $22K | — | $22K | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 5.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.93% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 12.37% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| HYLANT GROUP INC3 | 85 CAMPEAU AVENUE NORTHWEST SUITE 100 GRAND RAPIDS, MI 49503 | SYMETRA LIFE INSURANCE COMPANY | — | $867 | $867 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.02% |
| HYLANT GROUP INC3 | 85 CAMPEAU AVENUE NORTHWEST SUITE 100 GRAND RAPIDS, MI 49503 | SYMETRA LIFE INSURANCE COMPANY | — | $143 | $143 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $999 | $999 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $840 | $840 | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $941 | — | $941 | 5.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $941 | $941 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $892 | $892 | 8.76% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $509 | $509 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54 | — | $54 | 15.04% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18 | $18 | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15 | $15 | 4.18% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$10 | -$10 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 SOUTH RIVERSIDE PLAZA #19 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$21 | — | -$21 | — |
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 | 1,707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 357 | $9.4M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 673 | $284K |
| Vision(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 374 | $50K |
| Life insurance(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,262 | $271K |
| Short-term disability(4 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 241 | $189K |
| Long-term disability(4 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 455 | $165K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,262 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.