| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHMENT 3 | — | AFLAC | $2.0M | $135K | $2.1M | 25.24% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE CO. | $114K | $66K | $181K | 4.21% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT 4 | — | AFLAC | $1.1M | — | $1.1M | 45.39% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT 2 | — | AFLAC | $2K | — | $2K | 10.01% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT 1 | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $40 | $1K | 9.61% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $422 | — | $422 | 5.00% |
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 | 54,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 287 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 55,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | AFLAC | 59,900 | $11.1M |
| Life insurance | AETNA LIFE INSURANCE CO. | 54,129 | $4.3M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $15K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 54,129 | $4.3M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,036 | $11.4M |
| Other(5 contracts, 5 carriers) | AFLAC | 59,900 | $12.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59,900 | — |
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.