| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 | 20 N CLARK ST, SUITE 2825 CHICAGO, IL 60602 | AETNA | — | — | $0 | 0.00% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, SUITE 2825 CHICAGO, IL 60602 | GUARDIAN | $83K | $4K | $86K | 18.53% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, SUITE 2825 CHICAGO, IL 606024109 | VISION SERVICE PLAN | $2K | — | $2K | 2.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $361K |
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 | 566 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 566 | $684K |
| Dental | GUARDIAN | 784 | $466K |
| Vision | VISION SERVICE PLAN | 543 | $75K |
| Life insurance | GUARDIAN | 784 | $466K |
| Long-term disability | GUARDIAN | 784 | $466K |
| Stop-loss / reinsurancereinsurance | AETNA | 566 | $684K |
| Other | GUARDIAN | 784 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.