| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVE., STE 300 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO | $217K | $0 | $217K | 6.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, STE 408 BINGHAM FARMS, MI 48025 | AETNA LIFE INSURANCE CO | $0 | $14K | $14K | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, STE 408 BINGHAM FARMS, MI 48025 | AETNA LIFE INSURANCE CO | $0 | $9K | $9K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, STE 408 BINGHAM FARMS, MI 48025 | AETNA LIFE INSURANCE CO | $0 | $5K | $5K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, STE 408 BINGHAM FARMS, MI 48025 | CIGNA | $59K | — | $59K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | PRUDENTIAL INSURANCE CO OF AMERICA | $17K | $0 | $17K | 10.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 19.22% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 19.19% |
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 | 2,212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 2,290 | $2.6M |
| Vision | CIGNA | 2,290 | $2.6M |
| Life insurance | AETNA LIFE INSURANCE CO | 3,657 | $3.4M |
| Short-term disability | AETNA LIFE INSURANCE CO | 3,657 | $3.4M |
| Long-term disability | AETNA LIFE INSURANCE CO | 3,657 | $3.4M |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO | 3,657 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,657 | — |
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.