| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.74% |
| TURNKEY BENEFIT INSURANCE SERVICES3 Filed as: TURNKEY BENEFIT INS. SERVICES, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | TRANSAMERICA LIFE INSURANCE COMPANY | $525 | — | $525 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2K | — | $2K | 3.40% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 173 | $96K |
| Vision | VISION SERVICE PLAN | 571 | $61K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 583 | $250K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 583 | $250K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 583 | $250K |
| Prescription drug | TRANSAMERICA LIFE INSURANCE COMPANY | 173 | $96K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 583 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
No prospect flags tripped on this filing.