| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD COLLINS3 Filed as: DONALD R COLLINS | 89 SAW TIMBER DR HILTON HEAD ISLAND, SC 29926 | UNITED HEALTH CARE INSURANCE COMPANY | $19K | — | $19K | 15.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | UNITED HEALTH CARE INSURANCE COMPANY | $9K | — | $9K | 7.49% |
| DONALD COLLINS3 | 89 SAW TIMBER DR HILTON HEAD ISLAND, SC 29926 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SERVICE | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $71K |
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 | 292 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 211 | $117K |
| Vision | AETNA LIFE INSURANCE COMPANY | 211 | $117K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 164 | $119K |
| Short-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 164 | $119K |
| Long-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 164 | $119K |
| Other | UNITED HEALTH CARE INSURANCE COMPANY | 164 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.