| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 111 VETERANS BLVD METAIRIE, LA 70005 | AETNA LIFE INSURANCE CO. | $144K | — | $144K | 2.69% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $97K | — | $97K | 1.82% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N 40TH ST PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $34K | — | $34K | 0.63% |
| BENPRO, LLC3 Filed as: BENPRO LLC | 2001 LAKESHORE DR MANDEVILLE, LA 70448 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 0.26% |
| EDWARD BASSO3 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70043 | EYEMED | $2K | — | $2K | — |
| EDWARD BASSO3 | 71146 RIVERSIDE DRIVE COVINGTON, LA 70043 | EYEMED | $17 | — | $17 | — |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261 | $188 | $449 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $80 | $80 | — |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | — |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $7K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | — |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $4K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $4K |
| AUSTIN CAPITAL PLAN ADM SERVICES FSA CLAIMS ADMIN | Claims processing Service code 12 | 1601 ELM STREET SUITE 4310 DALLAS, TX 75201 | $0 |
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 | 416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 801 | $5.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 310 | $247K |
| Vision(2 contracts) | EYEMED | 586 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 410 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 410 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 410 | $0 |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 410 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 801 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.