| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 190 RIVER ROAD FLOOR 1 SUMMIT, NJ 07901 | UNITED HEALTHCARE INSURANCE COMPANY | $104K | $3K | $107K | 4.22% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HIGHWAY 169 SOUTH SUITE 1200 ST. LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 190 RIVER RD. FLOOR 1 SUMMIT, NJ 07901 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 9.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 201629 DALLAS, TX 75320 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES USA BROKER | Insurance agents and brokers Service code 22 | 2030 MAIN STREET 700 IRVINE, CA 92614 | $0 |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 742 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 495 | $154K |
| Vision | VISION SERVICE PLAN | 268 | $31K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 593 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.