| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONE DIGITAL | 8235 FORSYTH BLVD, STE 1200 ST. LOUIS, MO 63105 | THE NORTH RIVER INSURANCE COMPANY | $26K | — | $26K | 5.00% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $184K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing Service code 12 | 1200 ROUTE WEST CLIFTON, NJ 07013 | $69K |
| COLONY CAPITAL MANAGEMENT EIN 58-2533667 INVESTMENT MANAGER | Investment management Service code 28 | 4401 NORTHSIDE PKWY NW STE 975 ATLANTA, GA 30327 | $59K |
| LABOR FIRST, LLC EIN 06-1750191 | Plan Administrator; Other insurance fees and expenses; Insurance services Service code 14 | 1000 MIDANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 08054 | $32K |
| SAV-RX EIN 86-1323040 NONE | Contract Administrator; Claims processing Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $24K |
| GRABEL SCHNIEDERS HOLLMAN & CO EIN 43-1171178 NONE | Accounting (including auditing) Service code 10 | 206 W ARGONNE, SUITE 200 KIRKWOOD, MO 63122 | $6K |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 222 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 397 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 261 | $199K |
| Dental | AETNA LIFE INSURANCE CO. | 1,335 | $408K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,265 | $88K |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE COMPANY | 435 | $527K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,265 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,335 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.