| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES BENTZ3 Filed as: CHARLES T. BENTZ | 57 E WASHINGTON ST CHAGRIN FALLS, OH 44022 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $404K | — | $404K | 1.03% |
| BLUE CHIP CONSORTIUM LLC0 Filed as: THE BLUE CHIP CONSORTIUM | WATSON RD #225 ST. LOUIS, MO 63119 | AETNA HEALTH, INC. | $751 | — | $751 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA N/A | Contract Administrator Service code 13 | P.O. BOX 70944 CHICAGO, IL 60673 | $5.4M |
| UNITED HEALTHCARE N/A | Contract Administrator Service code 13 | 22561 NETWORK PLACE CHICAGO, IL 60673 | $921K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 N/A | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $127K |
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 | 7,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 461 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 4 | $72K |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 1,368 | $556K |
| Vision | AETNA LIFE INSURANCE CO. | 4 | $72K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,209 | $39.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,209 | $39.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,209 | $39.2M |
| Other | AENTA LIFE INSURANCE CO. | 305 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,209 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.