| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEX GLUSHANOK3 | 105 JASMINE COURT FRANKLIN LAKES, NJ 07417 | AETNA LIFE INSURANCE COMPANY | $256K | $0 | $256K | 3.47% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS, LLC | 155 108TH AVENUE NE SUITE 800 BELLEVUE, WA 98033 | AETNA LIFE INSURANCE COMPANY | $242K | $0 | $242K | 3.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $138K | $178 | $138K | 1.87% |
| TOTAL BENEFIT SOLUTIONS3 | 155 108TH AVENUE NE, SUITE 800 BELLEVUE, WA 98004 | VISON SERVICE PLAN | $3K | $0 | $3K | 5.68% |
| ALEX GLUSHANOK3 | 105 JASMINE COURT FRANKLIN LAKES, NJ 07417 | VISON SERVICE PLAN | $3K | $0 | $3K | 5.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET, SUITE 3005 PITTSBURGH, PA 15233 | VISON SERVICE PLAN | $659 | $0 | $659 | 1.08% |
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 | 458 | 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) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,490 | $7.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,490 | $7.4M |
| Vision | VISON SERVICE PLAN | 573 | $61K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,490 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,490 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.