| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W. GOLF ROAD ROLLING MEADOWS, IL 60008 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W. GOLF ROAD ROLLING MEADOWS, IL 60008 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC. | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $167 | — | $167 | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $195K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 CONSULTANT | Consulting (general) Service code 16 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | $45K |
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 | 351 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 556 | $22K |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 556 | $22K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 556 | $22K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 351 | $265K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 351 | $265K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 351 | $265K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 285 | $592K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 351 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
No prospect flags tripped on this filing.