| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LOOP S, SUITE 1600 HOUSTON, TX 77027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 7.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $3K | $3K | $6K | 12.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $974 | $0 | $974 | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $4K | $3K | $6K | 14.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $775 | $0 | $775 | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 10.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $303 | $0 | $303 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410 #325 SAN ANTONIO, TX 78216 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 22.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 6.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $703 | $0 | $703 | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD - 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $408 | $0 | $408 | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 W LOOP S, SUITE 1600 HOUSTON, TX 77027 | TOKIO MARINE HCC | $2K | $592 | $3K | 12.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS INC EIN 75-2148164 NONE | Plan Administrator; Other fees; Claims processing Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $98K |
| GALLAGHER BENEFITS | Insurance agents and brokers Service code 22 | — | $19K |
| PHCS | Contract Administrator Service code 13 | — | $9K |
| ELAP | Contract Administrator Service code 13 | — | $2K |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 158 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 305 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 80 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 183 | $43K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $637K |
| Other | TOKIO MARINE HCC | 158 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.