| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD. 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $50K | $31K | $81K | 3.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N. CALIFONRIA BLVD. STE 400 WALNUT CREEK, CA 94596 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $46K | — | $46K | 2.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SOLUTIONS | 470 ATLANTIC AVE. BOSTON, MA 02210 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $24K | — | $24K | 6.29% |
| ALLIANT INSURANCE SERVICES, INC.4 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7K | — | $7K | 8.71% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | — | $6K | 8.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD. 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY | $916 | $252 | $1K | 4.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N. CALIFORNIA BLVD. STE 400 WALNUT CREEK, CA 94596 | SUN LIFE AND HEALTH INSURANCE COMPANY | $620 | — | $620 | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD. 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $253 | $61 | $314 | 10.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N. CALIFORNIA BLVD. STE 400 WALNUT CREEK, CA 94596 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $124 | — | $124 | 4.13% |
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 | 2,162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 46 | $279K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 5,263 | $378K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF AMERICA | 2,088 | $2.0M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF AMERICA | 2,088 | $2.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF AMERICA | 2,088 | $2.0M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF AMERICA | 2,088 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,263 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.