| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HB CONSULTING ASSOC LLC3 Filed as: H&B CONSULTING ASSOC LLC | 6690 BETA DRIVE STE 310 MAYFIELD VILLAGE, OH 44143 | STANDARD INSURANCE COMPANY | $48K | — | $48K | 1.82% |
| HB CONSULTING ASSOC LLC3 Filed as: H&B CONSULTING ASSOC LLC | 6690 BETA DRIVE STE 310 MAYFIELD VILLAGE, OH 44143 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 1.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $4K | — | $4K | 40.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $3.8M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $255K |
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 | 6,333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 9 | $96K |
| Dental | AETNA INTERNATIONAL | 9 | $96K |
| Vision | AETNA INTERNATIONAL | 9 | $96K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,844 | $2.8M |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 225 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,401 | $983K |
| Prescription drug | AETNA INTERNATIONAL | 9 | $96K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 5,480 | $1.8M |
| Other(5 contracts, 5 carriers) | COMMUNITY INSURANCE COMPANY | 11,484 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,484 | — |
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.