| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1350 TREAST BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $27 | $25K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Plan Administrator; Contract Administrator Service code 13 | — | $1.5M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $380K |
| ADP EIN 61-1169763 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $308K |
| METLIFE EIN 13-5581829 NONE | Investment management fees paid directly by plan; Investment management; Contract Administrator Service code 13 | — | $137K |
| EISNERAMPER LLP EIN 13-1639826 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $41K |
| AON CONSULTING EIN 22-2608561 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $21K |
| BNY MELLON EIN 13-5160382 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Trustee (directed); Direct payment from the plan; Custodial (securities) Service code 19 | — | $18K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $15K |
| AVAYA EIN 22-3713430 EMPLOYER | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,044 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 256 | $95K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,844 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,844 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.