| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 1750 H ST NW STE 200 WASHINGTON, DC 200064652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.50% |
| AY BENEFITS LLC3 | STE 1225 7500 OLD GEORGETOWN RD BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.98% |
| AY BENEFITS LLC3 Filed as: AY BENEFITS INC | STE 1225 7500 OLD GEORGETOWN RD BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $750 | — | $750 | 0.66% |
| AY BENEFITS LLC3 | 7500 OLD GEORGETOWN ROAD STE 1225 BETHESDA, MD 20814 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 601478 CHARLOTTE, NC 282601478 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203066 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | $771 | — | $771 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 600 HWY 169 S ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.25% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 61 | $62K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $113K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.