| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 0.95% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG AND RIPPLE INC. | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $10K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $5K | — | $5K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | STANDARD INSURANCE COMPANY | $4K | $881 | $5K | 4.73% |
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 | 2,563 | 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) | 2,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,602 | $295K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,563 | $938K |
| Short-term disability | STANDARD INSURANCE COMPANY | 132 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $374K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,563 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,563 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.