| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACBI, INC.3 | 2 CORPORATE DRIVE SHELTON, CT 06484 | COMPANION LIFE INSURANCE COMPANY | $47K | — | $47K | 8.45% |
| BENEFIT CONSULTING SERVICES LLC3 Filed as: BENEFIT CONSULTING GROUP LLC | 670 EXTON COMMONS EXTON, PA 19341 | COMPANION LIFE INSURANCE COMPANY | $20K | — | $20K | 3.57% |
| BENEFIT CONSULTING GROUP I, INC.3 | 670 EXTON COMMONS EXTON, PA 19341 | AETNA | $4K | — | $4K | 2.74% |
| ACBI, INC.3 | 2 CORPORATE DRIVE SHELTON, CT 06484 | AETNA | $2K | — | $2K | 1.12% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC | 2 CORPORATE DRIVE SHELTON, CT 06484 | AETNA | $757 | — | $757 | 0.54% |
| ACBI, INC.3 Filed as: ACBI INC DBA ACBI INSURANCE | PO BOX 1388 BANGOR, ME 04402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.79% |
| BENEFIT CONSULTING GROUP I, INC.3 Filed as: BENEFIT CONSULTING GROUP I INC | 670 EXTON COMMONS EXTON, PA 19341 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $812 | — | $812 | 2.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGT | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $240K |
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $217K |
| COMPSYCH | Contract Administrator Service code 13 | — | $195 |
| BENEFIT CONSULTING GROUP I, INC. EIN 46-3484377 BROKER | Insurance agents and brokers Service code 22 | — | $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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 359 | $141K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $29K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 202 | $551K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.