| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC. | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10003 | AETNA LIFE INSURANCE CO. | $101K | $1K | $102K | 4.51% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10003 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.10% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC. | 2711 CENTERVILLE ROAD SUITE 400 WILMINGTON, DE 19808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $545 | $3K | 11.97% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10003 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 16.20% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 388 | $2.3M |
| Dental | AETNA LIFE INSURANCE CO. | 388 | $2.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $28K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 274 | $280K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 274 | $271K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 274 | $271K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 388 | $2.3M |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 274 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.