| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $10K | $10K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $2.4M |
| OPTUM HSA NONE | Contract Administrator; Direct payment from the plan Service code 13 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $1.5M |
| LIVONGO NONE | Direct payment from the plan; Contract Administrator Service code 13 | 150 W. EVELYN AVENUE SUITE 150 MOUNTAIN VIEW, CA 94041 | $379K |
| CVS CAREMARK NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 6590 LEE SUMMIT, MO 640646590 | $212K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $145K |
| MDLIVE NONE | Contract Administrator; Direct payment from the plan Service code 13 | 3350 SW 148TH AVENUE SUITE 300 MIRAMAR, FL 33027 | $43K |
| RUBIN BROWN LLP EIN 43-0765316 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
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 | 5,098 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $305K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $288K |
| Vision(2 contracts) | EYEMED VISION CARE C/O COMBINED INSURANCE CO. OF AMERICA | 10,680 | $566K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 7,063 | $6.8M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 7,063 | $6.8M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 7,063 | $6.8M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 7,063 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,680 | — |
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.