| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH Filed as: AETNA LIFE INSURANCE POLICY | 151 FARMINGTON AVE HARTFORD, CT 06156 | AETNA | — | — | $0 | 0.00% |
| HUMANA INSURANCE COMPANY3 | 1100 EMPLOYERS BLVD DEPERE, WI 54115 | HUMANA | — | $211K | $211K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Consulting (general) Service code 16 | PO BOX 4142 CHURCH ST NEW YORK, NY 10261 | $105K |
| AETNA LIFE INSURANCE POLICY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $101K |
| R M KOMOROWSKI JR CPA INC EIN 45-4003557 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 626 NORTH FOURTH ST STEUBENVILLE, OH 43952 | $69K |
| MACALA & PIATT LLC EIN 34-1933033 NONE | Legal; Direct payment from the plan Service code 29 | 601 SOUTH MAIN STREET NORTH CANTON, OH 44720 | $64K |
| BENESYS EIN 38-2383171 NONE | Direct payment from the plan; Plan Administrator Service code 14 | 3660 STUTZ DRIVE, STE 101 CANFIELD, OH 44406 | $45K |
| KOZICKI HUGHES TICKERHOOF PLLC EIN 55-0526247 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 32 TWENTIETH ST - STE 300 WHEELING, WV 26003 | $21K |
| COWDEN ASSOCIATES EIN 25-1750131 NONE | Actuarial; Direct payment from the plan Service code 11 | FOUR GATEWAY CENTER PITTSBURGH, PA 15222 | $9K |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 80 | $211K |
| Stop-loss / reinsurancereinsurance | AETNA | 186 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.