| 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 | $47K | $0 | $47K | 4.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 120670 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $17K | $0 | $17K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 12.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | HUMANA INSURANCE COMPANY OF NEW YORK | $4K | $577 | $5K | 5.77% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $0 | $6K | 17.62% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $427 | $5K | 15.83% |
| KEVIN MURPHY3 Filed as: KEVIN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $0 | $3K | 8.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMEN AVENUE 10TH FLOOR IRVINE, CA 92612 | FEDERAL INSURANCE COMPANY | $325 | $9 | $334 | 15.40% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 152 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY OF NEW YORK | 214 | $86K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 214 | $1.1M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $104K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $104K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $104K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 152 | $1.4M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 281 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.