| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 12.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 100 NORTHFIELD DR 2ND FL WINDSOR, CT 06095 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 13.23% |
| MABELS INC3 | P.O. BOX 544 ELK RAPIDS, MI 49629 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 8.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELLEGRAPH RD BINGHAM FARMS, MI 48025 | AMERITAS LIFE INSURANCE CORP. | $425 | — | $425 | 1.64% |
| PENNEFATHER, PATRICK G3 | 405 MADISON ST GROSSE POINTE, MI 48236 | AMERITAS LIFE INSURANCE CORP. | $16 | — | $16 | 0.06% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.65% |
| MARY LOU TAYLOR3 | 1038 BOUNDARY BLVD ROTONDA WEST, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.15% |
| JEREMY SAMPSEL3 | 3030 S 9TH ST KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $23 | $36 | 0.15% |
| JAMES A SMAARDYK3 Filed as: JAMES M TAYLOR | 1038 BOUNDARY BLVD ROTONDA WEST, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.08% |
| MARY LOU TAYLOR3 | 1038 BOUNDARY BLVD ROTONDA WEST, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.26% |
| JAMES A SMAARDYK3 Filed as: JAMES M TAYLOR | 1038 BOUNDARY BLVD ROTONDA WEST, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.26% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 124 | $26K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 202 | $115K |
| Short-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 202 | $115K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 202 | $89K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 202 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.