| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWNS, IL 60008 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MERITAIN HEALTH3 Filed as: AETNA U.S. HEALTHCARE | 26957 NORTHWESTERN HWY, STE 140 SOUTHFIELD, MI 48034 | AETNA LIFE INSURANCE COMPANY | $75K | $17K | $92K | 18.18% |
| LAU & LAU ASSOC LLC3 | 41000 WOODWARD AVE STE 250 E BLOOMFIELD HILLS, MI 48304 | HARTFORD LIFE AND ACCIDENT | $14K | $3K | $16K | 8.95% |
| RENEL AND RENAL ASSOC INC3 | 410 W UNIVERSITY DR SUITE B ROCHESTER, MI 48307 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 7.50% |
| RENEL AND RENAL ASSOC INC3 | 725 S ADAMS RD #225 BIRMINGHAM, MI 48009 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.60% |
| LAU & LAU ASSOC LLC3 | 41000 WOODWARD AVE STE 250 E BLOOMFIELD HILLS, MI 48304 | HARTFORD LIFE AND ACCIDENT | $11K | $3K | $14K | 9.65% |
| RENEL AND RENAL ASSOC INC3 | 410 W UNIVERSITY DR SUITE B ROCHESTER, MI 48307 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 7.50% |
| RENEL AND RENAL ASSOC INC3 | 725 S ADAMS RD #225 BIRMINGHAM, MI 48009 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.38% |
| LAU & LAU ASSOC LLC3 | 41000 WOODWARD AVE STE 250 E BLOOMFIELD HILLS, MI 48304 | HARTFORD LIFE AND ACCIDENT | $12K | $2K | $14K | 11.63% |
| RENEL AND RENAL ASSOC INC3 | 410 W UNIVERSITY DR SUITE B ROCHESTER, MI 48307 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 10.00% |
| RENEL AND RENAL ASSOC INC3 | 725 S ADAMS RD #225 BIRMINGHAM, MI 48009 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 300 S RIVERSIDE PLAZA CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSUR CO | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.9M |
| BCBS OF LOUISIANA EIN 23-7384555 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 5525 REITZ AVE BATON ROUGE, LA 70809 | $178K |
| HEALTH ALLIANCE MEDICAL PLANS EIN 37-1260731 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $119K |
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 | 3,454 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 3,314 | $841K |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,314 | $506K |
| Vision | AETNA LIFE INSURANCE COMPANY | 5,753 | $516K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,314 | $623K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 3,314 | $506K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 3,314 | $506K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,423 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,753 | — |
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.