| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP, INC.3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | — | $110K | $110K | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 THIRD-PARTY ADMINISTRATO | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Contract Administrator Service code 12 | — | $110K |
| KPMG LLP EIN 13-5565207 PLAN AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| CROWE HORWATH EIN 35-0921680 FINANCIAL STATEMENT PREP | Accounting (including auditing); Consulting (general); Direct payment from the plan Service code 10 | — | $16K |
| ERNST & YOUNG LLP EIN 34-6565596 TAX FORM PREPARER | Consulting (general); Direct payment from the plan Service code 16 | — | $9K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE & INV ADVISOR | Account maintenance fees; Other fees; Trustee (directed); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Soft dollars commissions; Investment management fees paid directly by plan; Securities brokerage commissions and fees; Other investment fees and expenses; Investment advisory (plan); Investment management Service code 21 | — | $6K |
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 | 54,920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 607 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 55,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 55,992 | $14.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,992 | — |
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."
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.