| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL EDWARD KLINGMAN3 | 9621 MARSHA DRIVE RIVER RIDGE, LA 70123 | AETNA LIFE INSURANCE CO. | $33K | — | $33K | 2.79% |
| RUSSELL EDWARD KLINGMAN3 | 9621 MARSHA DR. RIVER RIDGE, LA 70123 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 1.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS LEGACY MANAGEMENT, LLC EIN 83-0445255 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $184K |
| LTD CONSULTING, LLC EIN 11-3373840 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $36K |
| SANDRA'S CREATIONS EIN 72-1615670 BENEFITS ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $32K |
| HUNTER-MICHAEL INVST. ADVISORS, INC EIN 54-1870462 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $18K |
| STEPHEN C. HIMEL, CPA, LLC EIN 20-8410792 AUDITOR | Accounting (including auditing) Service code 10 | — | $17K |
| CLESI BURNS, LLC EIN 27-1411809 ACTUARY | Actuarial Service code 11 | — | $14K |
| AGINCOURT CAPITAL MANAGEMENT, LLC EIN 54-1947440 INVESTMENT MANAGER | Investment management Service code 28 | — | $12K |
| THE WAGNER GROUP EIN 04-3323315 LEGAL | Legal Service code 29 | — | $10K |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 336 | $1.6M |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE CO. | 336 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.