| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30K | $30K | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $750 | $750 | 0.18% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $589K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 CONSULTING SERVICES | Consulting (general) Service code 16 | — | $144K |
| STERLING WELLNESS SOLUTIONS, LLC WELLNESS ADMINISTRATOR | Insurance services Service code 23 | 210 WEST MILL STREET CROWLEY, LA 70526 | $85K |
| PAYFLEX ADMINISTRATION | Contract Administrator Service code 13 | 13511 LABEL LANE, SUITE 201 HAGERSTOWN, MD 21740 | $36K |
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 | 1,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,889 | $412K |
| Vision | EYEMED VISION CARE | 2,361 | $152K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,479 | $456K |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,479 | $456K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,479 | $456K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,107 | $1.6M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,479 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,479 | — |
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."
No prospect flags tripped on this filing.