| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $7K | $17K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7441 O ST STE 102 LINCOLN, NE 685102468 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 15.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7441 O ST STE 102 LINCOLN, NE 685102468 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $10K | — | $10K | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7441 O ST STE 102 LINCOLN, NE 685102468 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 7441 O ST STE 102 LINCOLN, NE 685102468 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1623 9TH STREET SUITE A AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 15.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $870 | $521 | $1K | 2.17% |
| WORKPLACE BENEFITS CONSULTANTS3 | P.O. BOX 540874 OMAHA, NE 681540874 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.07% |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,277 | $342K |
| Vision | VISION SERVICE PLAN | 424 | $96K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,593 | $256K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 339 | $79K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,593 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,593 | — |
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.