| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $120K | $0 | $120K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $50K | $50K | 1.63% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $25K | $25K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8117 PRESTON ROAD, SUITE 520 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 0.51% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $708 | $4K | $4K | 0.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $33K | $0 | $33K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | RELIASTAR LIFE INSURANCE COMPANY | $94K | $0 | $94K | 16.70% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $19K | $0 | $19K | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.26% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BCS INSURANCE COMPANY | $28K | $0 | $28K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $13K | $753 | $13K | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HYATT LEGAL PLANS, INC. | $8K | $999 | $9K | 7.73% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | HYATT LEGAL PLANS, INC. | $2K | $0 | $2K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS, INC. | $2K | $171 | $2K | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | HYATT LEGAL PLANS, INC. | $0 | $183 | $183 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HYATT LEGAL PLANS, INC. | $0 | $129 | $129 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS, INC. | $0 | $105 | $105 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 MEDICAL PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.7M |
| CONDUENT HR SERVICES, LLC EIN 81-2983623 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.3M |
| MARATHON HEALTH EIN 26-0103977 OTHER SERVICES | Direct payment from the plan; Other fees; Other services Service code 49 | — | $244K |
| MAGELLAN HEALTHCARE - EAP EIN 52-2135463 MEDICAL | Direct payment from the plan; Insurance services Service code 23 | — | $194K |
| SELF INSURED STD EIN 01-0278678 PARTICIPANT RESOURCE | Direct payment from the plan; Contract Administrator Service code 13 | — | $171K |
| LOCKTON DUNNING EIN 20-3354970 CONSULTANT | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $132K |
| AETNA DENTAL EIN 06-6033492 DENTAL PROVIDER | Insurance services; Direct payment from the plan Service code 23 | — | $126K |
| PAYFLEX FSA COBRAC EIN 91-1774434 MEDICAL | Direct payment from the plan; Claims processing Service code 12 | — | $58K |
| WELLS FARGO INSURANCE SERVICES EIN 94-1347393 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $13K |
| PASSPORT HEALTH EIN 20-8480879 MEDICAL | Insurance services; Direct payment from the plan Service code 23 | — | $8K |
| BLUE CROSS BLUE SHIELD COBRA EIN 36-1236610 MEDICAL | Insurance services; Direct payment from the plan Service code 23 | — | $6K |
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 | 12,724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,316 | $527K |
| Vision | VISION SERVICE PLAN | 5,896 | $987K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 23,127 | $3.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,411 | $2.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,411 | $2.3M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 6,851 | $552K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 23,127 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,127 | — |
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.