| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES, INC. | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN WARREN, NJ 07059 | AETNA LIFE INSURANCE COMPANY | — | $115 | $115 | 0.07% |
| STERLING AND STERLING, INC.3 | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 14.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 4.69% |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 248 | $37K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 590 | $171K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 460 | $43K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,200 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,200 | — |
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.