| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVE 3RD FL NEW YORK, NY 10177 | AETNA LIFE INSURANCE COMPANY | $0 | $93K | $93K | 5.26% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY STE 200 WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 0.93% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | AETNA LIFE INSURANCE COMPANY | $0 | $87 | $87 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVE FL 3 NEW YORK, NY 101770506 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $416 | $0 | $416 | 9.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. - NY | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $74 | $0 | $74 | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 NONE | Other services; Contract Administrator Service code 13 | — | $2K |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 166 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 69 | $4K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 815 | $177K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 815 | $177K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 815 | $177K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 815 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 815 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.