| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL BENEFIT SOLUTIONS LLC | 155 108TH AVENUE NE BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $69K | $0 | $69K | 4.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 120670 SAN DIEGO, CA 92112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $21K | $0 | $21K | 4.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $18K | 15.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | HUMANA INSURANCE COMPANY OF NEW YORK | $5K | $3K | $8K | 7.67% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $0 | $5K | 11.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMEN AVENUE, 10TH FLOOR IRVINE, CA 92612 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $471 | $5K | 10.93% |
| KEVIN MURPHY3 Filed as: KEVIN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $0 | $3K | 5.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 111 COMMERCIAL, SUITE 401 PORTLAND, ME 04101 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 36.46% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 31.90% |
| KEVIN MURPHY3 Filed as: KEVIN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | TRUSTMARK INSURANCE COMPANY | $980 | $0 | $980 | 22.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMEN AVENUE, 10TH FLOOR IRVINE, CA 92612 | FEDERAL INSURANCE COMPANY | $338 | $0 | $338 | 15.02% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 170 | $2.0M |
| Dental | HUMANA INSURANCE COMPANY OF NEW YORK | 229 | $98K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 229 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $125K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $121K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $121K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 170 | $2.0M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 291 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.