| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 Filed as: HEWITT INSURANCE BROKERAGE | 39030 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE COMPANY | $252K | — | $252K | 7.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1040 CROWN POINTE PARKWAY SUITE 700 ATLANTA, GA 30338 | AETNA LIFE INSURANCE COMPANY | -$54 | — | -$54 | -0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $488 | $488 | 1.22% |
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 | 6,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,358 | $2.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 8,541 | $3.6M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 8,541 | $3.6M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 8,541 | $3.6M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 8,541 | $3.6M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 8,541 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,541 | — |
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.