| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3000 SOUTH RIVERSIDE PLAZA SUITE 1500 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $175K | $7K | $182K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $3 | $3 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 MINNEAPOLIS, MN 55431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $10K | $39K | 9.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.83% |
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 | 934 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 941 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,077 | $6.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 681 | $410K |
| Vision | VISION SERVICE PLAN | 593 | $56K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 890 | $346K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 890 | $346K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 890 | $346K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 1,077 | $6.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 890 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,077 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.