| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79K | — | $79K | 8.28% |
| ANDREA WENDT3 Filed as: ANDREA LYNN WENDT | 5105 TALLGRASS GLEN KENNESAW, GA 30152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 1.71% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | $3K | $56K | 10.39% |
| ANDREA WENDT3 Filed as: ANDREA LYNN WENDT | 5105 TALLGRASS GLEN KENNESAW, GA 30152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 1.75% |
| INTEGRO INSURANCE BROKERS7 Filed as: INTEGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $750 | $692 | $1K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $3K | $37K | 11.84% |
| ANDREA WENDT3 Filed as: ANDREA LYNN WENDT | 5105 TALLGRASS GLEN KENNESAW, GA 30152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.13% |
| INTEGRO INSURANCE BROKERS7 Filed as: INTEGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $570 | $570 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PL ITASCA, IL 601431203 | VISION SERVICE PLAN | $10K | — | $10K | 5.81% |
| ANDREA WENDT3 | 5105 TALLGRASS GLEN NW KENNESAW, GA 301522842 | VISION SERVICE PLAN | $2K | — | $2K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 12.43% |
| ANDREA WENDT3 Filed as: ANDREA LYNN WENDT | 5105 TALLGRASS GLEN KENNESAW, GA 30152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - A | TWO PIERCE PL 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 12.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.02% |
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 | 1,762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,358 | $180K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,737 | $948K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,134 | $312K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,737 | $538K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,762 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,762 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.