| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $68K | $0 | $68K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 EAST WARRENVILLE ROAD SUITE 230 NAPERVILLE, IL 60563 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HUMANA INSURANCE COMPANY | $10K | $0 | $10K | 9.06% |
| MICHAEL S. BIALIK3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | HUMANA INSURANCE COMPANY | -$337 | $0 | -$337 | -0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 11.16% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HUMANADENTAL INSURANCE COMPANY | $1K | $0 | $1K | 9.68% |
| MICHAEL S. BIALIK3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | HUMANADENTAL INSURANCE COMPANY | $337 | $0 | $337 | 2.19% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $1.4M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 64 | $124K |
| Vision | VISION SERVICE PLAN | 107 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $38K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.