| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS5 Filed as: LUCENT HEALTH SOLUTIONS, LLC | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | AETNA LIFE INSURANCE CO | $5K | $179K | $184K | 13.33% |
| HCC LIFE INSURANCE COMPANY3 Filed as: HCC LIFE | PO BOX 42032 ATLANTA, GA 30384 | AETNA LIFE INSURANCE CO | — | $98K | $98K | 7.10% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE | PO BOX 88860 CHICAGO, IL 60695 | AETNA LIFE INSURANCE CO | — | $95K | $95K | 6.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERV NATIONAL | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | AETNA LIFE INSURANCE CO | — | $61K | $61K | 4.40% |
| NARUS HEALTH INC.3 Filed as: NARUS HEALTH | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | AETNA LIFE INSURANCE CO | — | $26K | $26K | 1.92% |
| AMERICAN HEALTH HOLDINGS3 | PO BOX 360142 PITTSBURGH, PA 15250 | AETNA LIFE INSURANCE CO | — | $17K | $17K | 1.22% |
| NOVANET3 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | AETNA LIFE INSURANCE CO | — | $8K | $8K | 0.55% |
| TELADOC3 | 17304 PRESTON ROAD DALLAS, TX 75252 | AETNA LIFE INSURANCE CO | — | $7K | $7K | 0.51% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 11422 MIRACLE HILLS DRIVE OMAHA, NE 68154 | AETNA LIFE INSURANCE CO | — | $3K | $3K | 0.19% |
| MIDLANDS CHOICE3 | 8420 W DODGE ROAD, STE 210 OMAHA, NE 68114 | AETNA LIFE INSURANCE CO | — | $2K | $2K | 0.15% |
| STANLEY DOUGLAS GILLESPIE3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $3K | $40K | 16.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE NONE | Insurance agents and brokers Service code 22 | PO BOX 88860 CHICAGO, IL 60695 | $0 |
| AMERICAN HEALTH HOLDINGS NONE | Insurance agents and brokers Service code 22 | PO BOX 360142 PITTSBURGH, PA 15250 | $0 |
| HCC LIFE NONE | Insurance agents and brokers Service code 22 | PO BOX 402032 ATLANTA, GA 30384 | $0 |
| LUCENT HEALTH ADMINISTRATORS, LLC NONE | Contract Administrator Service code 13 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | $0 |
| MARCOTTE INSURANCE AGENCY NONE | Insurance agents and brokers Service code 22 | 9394 W DODGE ROAD SUITE 250 OMAHA, NE 68114 | $0 |
| MIDLANDS CHOICE NONE | Insurance agents and brokers Service code 22 | 8420 WEST DODGE ROAD, STE 210 OMAHA, NE 68114 | $0 |
| NARUS HEALTH NONE | Insurance agents and brokers Service code 22 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $0 |
| NOVANET INC NONE | Insurance agents and brokers Service code 22 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | $0 |
| TELADOC INC NONE | Insurance agents and brokers Service code 22 | 17304 PRESTON ROAD DALLAS, TX 75252 | $0 |
| USI INSURANCE SERV NATIONAL NONE | Insurance agents and brokers Service code 22 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | $0 |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 506 | $79K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 489 | $245K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 489 | $245K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 551 | $1.4M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 489 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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."
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.
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.