| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | PO BOX 10079 MAUMEE, OH 43537 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 1.93% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 753202617 | VISION SERVICE PLAN | $16K | — | $16K | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 171 MONROE AVE, STE 525 GRAND RAPIDS, MI 49503 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 CLAIMS PROCESSING | Claims processing Service code 12 | — | $607K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $597K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $281K |
| SEDGWICK CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 171816 MEMPHIS, TN 381871865 | $57K |
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 | 1,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 3 | $41K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,360 | $366K |
| Life insurance | AETNA LIFE INSURANCE CO | 1,955 | $1.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,376 | $474K |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO | 1,965 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,965 | — |
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.