| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $30K | $10K | $39K | 5.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | AETNA, INC. | $2K | — | $2K | 9.20% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORPORATION | 350 CHURCH STREET HARTFORD, CT 06103 | AETNA, INC. | — | $1K | $1K | 8.69% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORPORATION | 350 CHURCH STREET HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 18.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 16.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND KNAPP GROUP BENEFITS | 531 MAIN STREET BRANFORD, CT 06405 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORPORATION | 350 CHURCH STREET HARTFORD, CT 06103 | OXFORD HEALTH PLANS | — | $344 | $344 | 14.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 100 NORTHFIELD DRIVE, 3RD FLOOR WINDSOR, CT 06095 | OXFORD HEALTH PLANS | $237 | — | $237 | 10.24% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 126 | $785K |
| Dental | AETNA, INC. | 83 | $16K |
| Vision | OXFORD HEALTH PLANS | 72 | $2K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 144 | $11K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 144 | $11K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 126 | $785K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 144 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.