| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $13K | $0 | $13K | 0.63% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 W WILSON BRIDGE RD SUITE 300 WORTHIGTON, OH 43085 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | $0 | $12K | 0.61% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 W. WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | AETNA LIFE INSURANCE CO | $1K | $30K | $31K | 2.26% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICE, LLC | 300 W. WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE SUITE 300 CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.01% |
| OPOC INSURANCE SERVICES LLC3 Filed as: OPOC INSURANCE SERVICES, LLC | 300 W. WILSON BRIDGE RD SUITE 300 WORTHINGTON, OH 43085 | EYEMED VISION CARE | $742 | $0 | $742 | 7.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC - MIAMI, FL | 29840 NETWORK PLACE SUITE 300 CHICAGO, IL 60673 | EYEMED VISION CARE | $361 | $0 | $361 | 3.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - MIAMI, FL | 200 E. RANDOLPH STREET CHICAGO, IL 60601 | EYEMED VISION CARE | $145 | $0 | $145 | 1.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 ADMIN | Contract Administrator Service code 13 | — | $15K |
| HEALTH EQUITY WAGE WORKS EIN 94-3351864 INSURANCE AGENT | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $508 |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 660 | $2.0M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 660 | $3.4M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 311 | $1.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $120K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $120K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.