| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $2K | $22K | 7.92% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC. | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 2.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $863 | $12K | 7.89% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC. | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.69% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC DBA SULLIVAN | 1105 NIKKI VIEW DR BRANDON, FL 33511 | VISION SERVICE PLAN | $2K | — | $2K | 1.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $527 | $7K | 7.92% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC | 1105 NIKKI VIEW DR BRANDON, FL 33511 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $98 | $1K | 7.91% |
| REFINED BENEFITS DBA SULLIVAN3 Filed as: REFINED BENEFITS INC. | 1105 NIKKI VIEW DRIVE BRANDON, FL 33511 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $446 | — | $446 | 2.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $715K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $15K |
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 | 666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 646 | $92K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 666 | $148K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 666 | $277K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 666 | $91K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 666 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.