| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | INNOVATION HEALTH | $0 | $200K | $200K | 9.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $22K | $36K | $58K | 10.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 9.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 0.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $219 | $219 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA HEALTH, INC. | $0 | $11K | $11K | 9.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.54% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INNOVATION HEALTH | 457 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 457 | $566K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 219 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 329 | $154K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 329 | $154K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 329 | $154K |
| Prescription drug(3 contracts, 3 carriers) | INNOVATION HEALTH | 457 | $2.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 329 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.