| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | HARTFORD LIFE AND ACCIDENT | $13K | $614 | $14K | 9.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL E BLVD STE 1000 RICHMOND, VA 23230 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 1.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $193 | $193 | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC. | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $31 | — | $31 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.57% |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | INNOVATION HEALTH | 439 | $3.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 439 | $568K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 355 | $155K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 355 | $155K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 355 | $155K |
| Prescription drug(4 contracts, 3 carriers) | INNOVATION HEALTH | 439 | $3.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 355 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.