| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MF IRVINE COMPANIES LLC3 Filed as: MF IRVINE COMPANIES, LLC | 21 E 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | $42K | — | $42K | 4.02% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES INC. | 6 NORTH PARKER DRIVE SUITE 310 HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 1.09% |
| JAMES EDWIN ADKINS3 Filed as: JAMES E. ADKINS, JR. | 6901 ROCKLEDGE DRIVE BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | -$34 | — | -$34 | -0.00% |
| MF IRVINE COMPANIES LLC3 | 21 E 5TH AVENUE CONSHOHOCKEN, PA 19428 | AETNA HEALTH, INC. | $28K | — | $28K | 7.66% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | AETNA HEALTH, INC. | $8K | — | $8K | 2.08% |
| JAMES EDWIN ADKINS3 Filed as: JAMES E. ADKINS, JR. | 6901 ROCKLEDGE DRIVE BETHESDA, MD 20817 | AETNA HEALTH, INC. | -$578 | — | -$578 | -0.16% |
| MF IRVINE COMPANIES LLC3 | 21 E 5TH AVENUE SUITE 205 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.07% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.52% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 224 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $140K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $140K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.