| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | MEDICA INSURANCE COMPANY | $28K | $2K | $30K | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95148 CHICAGO, IL 60694 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 10.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $396 | $396 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1623 9TH STREET, SUITE A AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 19.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $701 | $701 | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $2K | $667 | $2K | 8.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $289 | $2K | 11.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $1K | $165 | $1K | 11.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | TRUSTMARK LIFE INSURANCE COMPANY | $524 | $0 | $524 | 5.50% |
| STRONG FINANCIAL RESOURCES INC3 Filed as: STRONG FINANCIAL RESOURCES, INC. | 7634 EAST SUMMIT TRAIL SAINT MESA, AZ 85207 | COMPANION LIFE INSURANCE COMPANY | $913 | $0 | $913 | 13.75% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 7900 INTERNATIONAL DRIVE SUITE 1040 MINNEAPOLIS, MN 55425 | COMPANION LIFE INSURANCE COMPANY | $248 | $0 | $248 | 3.73% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | COMPANION LIFE INSURANCE COMPANY | $209 | $0 | $209 | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1611 10TH STREET AURORA, NE 68818 | EMC NATIONAL LIFE | $386 | $0 | $386 | 9.99% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 73 | $731K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $84K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $84K |
| Life insurance(7 contracts, 7 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $158K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $38K |
| Prescription drug | MEDICA INSURANCE COMPANY | 73 | $731K |
| Other(6 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.