| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS EXCHANGE ALLIANCE3 | 100 OTTAWA AVENUE GRAND RAITS, MI 49503 | AETNA HEALTH, INC. | $32K | — | $32K | 4.86% |
| BENEFITS EXCHANGE ALLIANCE3 | 100 OTTAWA AVENUE GRAND RAITS, MI 49503 | AETNA LIFE INSURANCE COMPANY | $18K | $4K | $23K | 5.87% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | GUARDIAN | $6K | $2K | $8K | 15.32% |
| PACIFIC ADVISORS LLC3 | 333 N. INDIAN HILL BLVD. CLAREMONT, CA 91711 | GUARDIAN | $129 | — | $129 | 0.25% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | — | $1K | 33.40% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 168 | $1.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 168 | $391K |
| Vision | AETNA LIFE INSURANCE COMPANY | 168 | $391K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 78 | $55K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 78 | $55K |
| Long-term disability | GUARDIAN | 78 | $52K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 168 | $1.0M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 78 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.