| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HIGHWAY 169 SOUTH SUITE1200 ST. LOUIS, MN 55426 | AETNA LIFE INSURANCE CO. | $4K | $11K | $15K | 0.27% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HIGHWAY 169 SOUTH SUITE 1200 ST LOUIS, MN 55426 | AETNA LIFE INSURANCE CO. | — | $0 | $0 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 190 RIVER ROAD 1ST FLOOR SUMMIT, NJ 07901 | DELTA DENTAL OF NJ, INC. | $8K | — | $8K | 4.93% |
| DAN MACLELLAN3 | P.O. BOX 58434 NASHVILLE, TN 37205 | VISION SERVICE PLAN | $977 | — | $977 | 2.50% |
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 201629 DALLAS, TX 75320 | VISION SERVICE PLAN | $977 | — | $977 | 2.50% |
| N/A3 | — | FLAGSHIP HEALTH SYSTEMS | — | — | $0 | 0.00% |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,009 | $5.5M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,009 | $5.7M |
| Vision | VISION SERVICE PLAN | 279 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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.