| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | AETNA LIFE INSURANCE COMPANY | — | $20K | $20K | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $123 | $16K | 11.67% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFIT SERVICES, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $846 | $6K | $6K | 4.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | EYEMED VISION CARE | $2K | — | $2K | 13.90% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFIT SERVICES, INC | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | EYEMED VISION CARE | $311 | — | $311 | 2.33% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 15.24% |
| ASSUREX3 | 175 SOUTH THIRD STREET, SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.61% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 146 | $548K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $133K |
| Vision | EYEMED VISION CARE | 180 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $133K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $133K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $133K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 146 | $548K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.