| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $809K | $809K | 5.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IA 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $107K | $6 | $107K | 3.99% |
| RISK STRATEGIES COMPANY3 Filed as: THE GOWRIE GROUP | 1449 OLD WATERBURY ROAD SUITE 201 WESTBROOK, CT 06498 | CONNECTICARE, INC. | $34K | $9K | $43K | 3.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CONNECTICARE, INC. | $12K | — | $12K | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $154K | — | $154K | 14.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $57K | — | $57K | 13.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 11.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | VERATRUS BENEFIT SOLUTIONS | $26K | — | $26K | 14.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 13.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 23.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $15K | 12.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $710 | — | $710 | 0.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $361 | $361 | 0.30% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $1K | $960 | $2K | 3.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $431 | — | $431 | 0.64% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $327 | $2K | 9.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $202 | — | $202 | 1.19% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $546 | $229 | $775 | 5.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59 | — | $59 | 0.41% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $347 | $2K | 13.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $326 | — | $326 | 2.31% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CA 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $568 | — | $568 | 7.61% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC | — | ANTHEM HEALTH PLANS, INC. | $318 | $63 | $381 | 8.03% |
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 | 3,984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,086 | $17.8M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 1,915 | $1.2M |
| Vision(3 contracts, 3 carriers) | VERATRUS BENEFIT SOLUTIONS | 1,555 | $300K |
| Life insurance(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 3,215 | $466K |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 992 | $253K |
| Long-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,395 | $183K |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 3,215 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,215 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.