| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1411 OPUS PPL STE 400 DOWNERS GROVE, IL 605151481 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $54 | $37K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $119 | $119 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10 BLOOMSBURY CT ALGONQUIN, IL 60102 | DELTA DENTAL OF TENNESSEE | $37K | $0 | $37K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | GBS FINANCIAL ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) VISION CARE | $4K | — | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-ROCKFORD | GBS FINANCIAL 2850 GOLF RD.M 5TH FLR ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) VISION CARE | $3K | $0 | $3K | 4.92% |
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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,133 | $374K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) VISION CARE | 920 | $71K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,449 | $771K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,449 | $771K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,449 | $771K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,449 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,449 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.