| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE DIRECT | 1 HARTFORD PLAZA HARTFORD, CT 06155 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| AON CONSULTING INC3 | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | — | — | $0 | — |
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 | 10,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,639 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 33 | $212K |
| Dental | AETNA LIFE INSURANCE CO. | 216 | $70K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,827 | $2.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10,021 | $2.5M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,827 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,827 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.