| 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 | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE POLICY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $95K |
| BENESYS EIN 38-2383171 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 3660 STUTZ DRIVE, STE 101 CANFIELD, OH 44406 | $92K |
| MACALA & PIATT LLC EIN 34-1933033 NONE | Legal; Direct payment from the plan Service code 29 | 601 SOUTH MAIN STREET NORTH CANTON, OH 44720 | $50K |
| SEGAL ADVISORS EIN 13-2646110 NONE | Consulting (general); Direct payment from the plan Service code 16 | PO BOX 4142 CHURCH ST NEW YORK, NY 10261 | $40K |
| DGPERRY EIN 83-3033790 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3711 STARRS CENTRE DR CANFIELD, OH 44401 | $21K |
| IBEW LOCAL UNION 246 EIN 34-0308364 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 626 NORTH FOURTH STREET STEUBENVILLE, OH 43952 | $18K |
| ACRISURE EIN 26-3554656 NONE | Direct payment from the plan; Actuarial Service code 11 | FOUR GATEWAY CENTER PITTSBURGH, PA 15222 | $9K |
| SEGAL SELECT INSURANCE EIN 46-0614919 NONE | Insurance brokerage commissions and fees; Insurance services Service code 23 | 333 WEST 34TH ST NEW YORK, NY 10001 | $6K |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 89 | $203K |
| Stop-loss / reinsurancereinsurance | AETNA | 165 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.