| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 4.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $21K | $21K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY SUITE 400 DALLAS, TX 75240 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 6.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $0 | $28K | 19.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY SUITE 400 DALLAS, TX 75240 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $65 | $3K | 15.34% |
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 | 2,066 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 266 | $180K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,714 | $247K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,650 | $964K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $139K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,169 | $575K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,650 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,650 | — |
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.