| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTERPRISE BENEFIT SOLUTIONS LLC3 | 277 FAIRFIELD ROAD, SUITE 317 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | $0 | $84K | 2.00% |
| ENTERPRISE BENEFIT SOLUTIONS LLC3 | 277 FAIRFIELD ROAD, SUITE 317 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 23.45% |
| ENTERPRISE BENEFIT SOLUTIONS LLC3 | 277 FAIRFIELD ROAD, SUITE 317 FAIRFIELD, NJ 07004 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.37% |
| WING MAN RITA LAW3 | 7405 EAST ELLISON DRIVE TUCSON, AZ 85704 | TRANSAMERICA LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| SYMMETRY FINANCIAL GROUP, LLC3 | 204 WHITSON AVENUE, SUITE C SWANNANOA, NC 28778 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| RODERICK S. JESSUP3 | 30 WESTGATE PARKWAY, SUITE 402 ASHEVILLE, NC 28806 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| ENTERPRISE BENEFIT SOLUTIONS LLC3 | 277 FAIRFIELD ROAD, SUITE 317 FAIRFIELD, NJ 07004 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $254K |
| Vision | VISION SERVICE PLAN | 390 | $39K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 79 | $68K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 79 | $68K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 79 | $68K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $4.2M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 79 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
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.