| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUTUMN WARD3 | 332 TOWNSEND ST. LANSING, MI 48933 | HARTFORD LIFE AND ACCIDENT | $46K | — | $46K | 12.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 2.45% |
| AUTUMN WARD3 | 332 TOWNSEND ST. LANSING, MI 48933 | ALLSTATE | $1K | — | $1K | 7.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SERVICES INC | 6300 SOUTH SYRACUSE WAY, SUITE 700 CENTENNIAL, CO 80111 | ALLSTATE | $1K | — | $1K | 7.25% |
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 | 1,728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,746 | $372K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,746 | $372K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,746 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,746 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.