| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $0 | $350 | $350 | 0.10% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 400 ATRIUM DRIVE SOMERSET, NJ 08873 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 6.24% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 28.18% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 400 ATRIUM DR SOMERSET, NJ 08873 | FIDELITYSECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $3K | — | $3K | 25.00% |
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 | 2,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 9 | $158 |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,646 | $196K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO | 2,269 | $1.2M |
| Short-term disability | HARTFORD LIFE INSURANCE CO | 2,269 | $881K |
| Long-term disability | HARTFORD LIFE INSURANCE CO | 2,269 | $881K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE INSURANCE CO | 2,269 | $925K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,646 | — |
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.