| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC AVE., STE. 300 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $20K | $0 | $20K | 4.38% |
| MICHAEL MAGUIRE3 | 1419 TODD RD TOMS RIVER, NJ 08755 | AETNA LIFE INSURANCE CO. | $20K | $0 | $20K | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC AVE., STE. 300 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $0 | $8K | $8K | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES FL | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $280K | $5K | $285K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL NONE | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $2K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,915 | $0 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,915 | $0 |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,765 | $451K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,765 | $451K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,765 | $451K |
| Other | AETNA LIFE INSURANCE CO. | 1,765 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,915 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.