| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM, MI 48025 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 12.43% |
| MABELS INC3 | PO BOX 544 ELK RAPIDS, MI 49629 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| PENNEFATHER, PATRICK G3 | 405 MADISON ST GROSSE POINTE, MA 48236 | AMERITAS LIFE INSURANCE CORP. | $27 | — | $27 | 0.10% |
| MARY LOU TAYLOR3 | 1012 SUGARLOAF RESERVE DR. DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.26% |
| JAMES A SMAARDYK3 Filed as: JAMES M TAYLOR | 1012 SUGARLOAF RESERVE DR. DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.26% |
| MARY LOU TAYLOR3 | 1012 SUGARLOAF RESERVE DR. DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | — |
| JAMES A SMAARDYK3 Filed as: JAMES M TAYLOR | 1012 SUGARLOAF RESERVE DR. DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | — |
| MABELS INC3 | PO BOX 544 ELK RAPIDS, MI 49629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | — |
| LAURIE GAIL ANDREWS3 | 2340 CAMBRIDGE DR SE GRAND RAPIDS, MI 49506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 266 | $27K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 211 | $84K |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 211 | $84K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 211 | $83K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 211 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.