| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $84K | $84K | 2.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $3K | $17K | 12.16% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $783 | $4K | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.10% |
| D'ANN DABELL4 Filed as: D. ANN DABELL | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $785 | $0 | $785 | 9.33% |
| DIVERSIFIED INSURANCE GROUP4 | 136 EAST SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $330 | $0 | $330 | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $127 | $0 | $127 | 1.51% |
| KIMBERLY N. HARDIN4 | 3164 21 STREET, SUITE 1057 LONG ISLAND CITY, NY 11106 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $75 | $0 | $75 | 0.89% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 508 | $2.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $138K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $138K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $138K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 476 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.