| 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 | — | $1.6M | $1.6M | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $106K | $23 | $106K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | — | $5K | $5K | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $359K | $52K | $410K | 18.02% |
| ORMA R SMITH III3 Filed as: ORMA RINEHART SMITH | — | BLUECROSS BLUESHIELD OF ILLINOIS | $57K | — | $57K | 3.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $201K | — | $201K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $162K | — | $162K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $81K | — | $81K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | VERATRUS BENEFIT SOLUTIONS | $38K | — | $38K | 10.31% |
| ORMA R SMITH III3 | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | DEARBORN LIFE INSURANCE COMPANY | $19K | — | $19K | 16.41% |
| ORMA R SMITH III3 Filed as: ORMA SMITH | — | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 9.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 18.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.10% |
| SMITH III, ORMA R3 Filed as: SMITH III, ORMA, R | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | AMERITAS LIFE INSURANCE CORP. | $486 | — | $486 | 3.69% |
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | AMERITAS LIFE INSURANCE CORP. | $115 | — | $115 | 0.87% |
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 | 7,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,488 | $39.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 3,958 | $2.4M |
| Vision(2 contracts, 2 carriers) | VERATRUS BENEFIT SOLUTIONS | 3,332 | $385K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,100 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,092 | $924K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,218 | $521K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,100 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,100 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.