| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | LOCKBOX 95287 CHICAGO, IL 60604 | PREMERA BLUE CROSS | $75K | $0 | $75K | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLD ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $1K | — | $1K | 8.10% |
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 | 631 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 792 | $11.3M |
| Dental(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 1,703 | $12.3M |
| Vision | VISION SERVICE PLAN | 3,122 | $212K |
| Life insurance | USABLE LIFE | 149 | $13K |
| Prescription drug | PREMERA BLUE CROSS | 792 | $11.3M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 154 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,122 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.