| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS ALLIANCE3 | 1055 WESTLAKES DR, STE 131 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 0.33% |
| CORPORATE BENEFITS ALLIANCE3 | 37 WEST AVENUE, STE 350 WAYNE, PA 19087 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.28% |
| CORPORATE BENEFITS ALLIANCE3 | 1055 WESTLAKES DR, STE 131 BERWYN, PA 19312 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 6.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 777 S FIGUEROA ST LOS ANGELES, CA 90017 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 3.91% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 428 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 428 | $2.7M |
| Vision | VISION BENEFITS OF AMERICA | 156 | $27K |
| Life insurance | AETNA LIFE INSURANCE CO. | 428 | $2.7M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 428 | $2.7M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 428 | $2.7M |
| Other | AETNA LIFE INSURANCE CO. | 428 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.