| 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 | $50K | — | $50K | 1.65% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BEN STRATEGIES GROUP | 5360 LEGACY DR BLDG 4 110 PLANO, TX 75024 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 0.34% |
| 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 | 1.64% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BEN STRATEGIES GROUP | 5360 LEGACY DR BLDG 4 110 PLANO, TX 75024 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing Service code 12 | — | $4.1M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $285K |
| EMPLOYEE BENEFIT STRATEGIES GROUP EIN 31-1440175 COMMUNITY INSURANCE CO | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $0 |
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 | 7,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 67 | $137K |
| Dental | AETNA INTERNATIONAL | 67 | $137K |
| Vision | AETNA INTERNATIONAL | 67 | $137K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,043 | $3.2M |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 238 | $15K |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,813 | $1.1M |
| Prescription drug | AETNA INTERNATIONAL | 67 | $137K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 5,949 | $2.0M |
| Other(4 contracts, 4 carriers) | AETNA INTERNATIONAL | 11,320 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,320 | — |
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."
No prospect flags tripped on this filing.