| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMPASS INSURANCE SERVICES3 | ONE VENTURE STE 220 IRVINE, CA 92618 | AETNA HEALTH INC | $57K | — | $57K | 3.30% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | AETNA HEALTH INC | $11K | — | $11K | 0.65% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HIGHWAY 169 SOUTH STE 1200 ST LOUIS PARK, MN 55426 | AETNA HEALTH INC | $6K | — | $6K | 0.34% |
| BENEFIT COMPASS INSURANCE SERVICES3 | ONE VENTURE STE 220 IRVINE, CA 92616 | AETNA LIFE INSURANCE CO | $21K | — | $21K | 5.44% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | AETNA LIFE INSURANCE CO | $12K | — | $12K | 3.05% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HIGHWAY 169 SOUTH STE 1200 ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CO | $2K | — | $2K | 0.56% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS (23 TOTAL) | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $1K | $16K | 14.20% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 447 | $378K |
| Dental | AETNA LIFE INSURANCE CO | 447 | $378K |
| Vision | AETNA LIFE INSURANCE CO | 447 | $378K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 72 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.