| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANIACI INSURANCE SERVICES, INC.3 | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | HEALTH NET | $117K | — | $117K | 5.00% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE COMPANY | $17K | $3K | $21K | 5.67% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INS SERVICES, INC. | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $19K | 8.34% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.48% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $387 | $387 | 0.46% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.68% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $762 | — | $762 | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $82 | $82 | 0.11% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.95% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $134 | $134 | 0.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ARMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $414K |
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 334 | $2.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 908 | $596K |
| Life insurance(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $426K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $387K |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $387K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 382 | $814K |
| Other(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.