| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 Filed as: AETNA U.S. HEALTHCARE | 26957 NORTHWESTERN HWY., SUITE 140 SOUTHFIELD, MI 48034 | AETNA LIFE INSURANCE COMPANY | $75K | $0 | $75K | 9.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.0M |
| HEALTH ALLIANCE MEDICAL PLANS EIN 37-1260731 ADMINISTRATOR | Contract Administrator Service code 13 | — | $142K |
| HEALTHSMART CARE MANAGEMENT EIN 75-1857307 ADMINSTRATOR | Contract Administrator; Claims processing Service code 12 | — | $97K |
| AETNA BEHAVIORAL HEALTH LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $47K |
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 | 4,383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 3,506 | $822K |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,506 | $822K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 3,506 | $822K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 3,506 | $822K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 3,506 | $822K |
| Other | AETNA HEALTH & HUMAN RESOURCE CNTR | 137 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,506 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.