| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614K | $638K | $1.3M | 9.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $291K | $359K | $650K | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $243K | $243K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $1.0M | $104K | $1.1M | 15.48% |
| AP BENEFIT ADVISORS, LLC3 | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | $36 | $79K | 1.07% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $806K | $313K | $1.1M | 28.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $537K | $0 | $537K | 13.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $84K | $84K | 2.12% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | COMBINED INSURANCE | $397K | $0 | $397K | 19.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | COMBINED INSURANCE | $214K | $0 | $214K | 10.58% |
| AP BENEFIT ADVISORS, LLC3 | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | COMBINED INSURANCE | $34K | $0 | $34K | 1.66% |
| AP BENEFIT ADVISORS, LLC3 | 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | $0 | $33K | 3.76% |
| FRANK P DOHERTY3 Filed as: FRANK P. DOHERTY | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $26 | $26 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $26K | $106 | $26K | 7.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $3K | $3K | 0.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $112 | $9K | 5.96% |
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 | 15,831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,146 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 14,562 | $7.4M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 14,562 | $7.5M |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,831 | $15.6M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,831 | $12.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,831 | $12.7M |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,831 | $20.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,831 | — |
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.