| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | AETNA LIFE INSURANCE COMPANY | $112K | $97 | $112K | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | SYMETRA LIFE INSURANCE COMPANY | $22K | $13K | $35K | 11.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2K | — | $2K | 3.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, LLC | 914 HARTFORD TURNPIKE WATERFORD, CT 06385 | HARTFORD FIRE INSURANCE COMPANY | $857 | $286 | $1K | 20.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS, INC. | $982 | $0 | $982 | — |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 479 | $6.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 479 | $5.5M |
| Vision | VISION SERVICE PLAN | 305 | $46K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 212 | $318K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 212 | $318K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 479 | $6.2M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 212 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.