| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 NORTHFIELD DRIVE, THIRD FLOOR WINDSOR, CT 06095 | AETNA LIFE INSURANCE CO. | $67K | $0 | $67K | 1.47% |
| L & R BENEFITS3 Filed as: L AND R BENEFITS | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | AETNA LIFE INSURANCE CO. | $40K | $0 | $40K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 NORTHFIELD DRIVE, THIRD FLOOR WINDSOR, CT 06095 | AETNA LIFE INSURANCE CO. | $0 | $3K | $3K | 0.07% |
| NONE | — | ANTHEM HEALTH PLANS, INC. (G1800) | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 NORTHFIELD DRIVE 3RD FL WINDSOR, CT 06095 | SYMETRA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 8.20% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG AND RIPPLE INC | 29 S MAIN STREET SUITE 215 WEST HARTFORD, CT 06107 | SYMETRA LIFE INSURANCE COMPANY | -$9K | $0 | -$9K | -4.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INS SERVICES INC | 914 HARTFORD TUNRPIKE WATERFORD, CT 06385 | HARTFORD LIFE AND ACCIDENT | $360 | $0 | $360 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 5 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 673 | $5.0M |
| Dental | AETNA LIFE INSURANCE CO. | 673 | $4.6M |
| Vision | VISION SERVICE PLAN | 306 | $43K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 380 | $215K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 380 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.