| 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 | MET LIFE | $34K | $60 | $34K | 7.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | MET LIFE | — | $39 | $39 | 0.01% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, SUITE 2825 CHICAGO, IL 606024109 | MUTUAL OF OMAHA | $34K | $15K | $49K | 14.51% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: MUTUAL OF OMAHA LIFE INSURANCE CO | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | MUTUAL OF OMAHA | — | $12K | $12K | 3.59% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, SUITE 2825 CHICAGO, IL 60602 | AETNA | $25K | — | $25K | 16.02% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, SUITE 2825 CHICAGO, IL 60602 | AETNA | -$8K | — | -$8K | -13.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $524K |
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 | 814 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MET LIFE | 1,294 | $448K |
| Vision | AETNA | 1,126 | $61K |
| Life insurance | MUTUAL OF OMAHA | 814 | $340K |
| Short-term disability | MUTUAL OF OMAHA | 814 | $340K |
| Long-term disability | MUTUAL OF OMAHA | 814 | $340K |
| Stop-loss / reinsurancereinsurance | AETNA | 582 | $1.2M |
| Other | MUTUAL OF OMAHA | 814 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,294 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.