| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 9.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 200 SUMMIT LAKE DR SUITE 350 VALHALLA, NY 10595 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.84% |
| RISK COOPERATIVE LLC3 Filed as: RISK COOPERATIVE | 1825 K STREET NW STE 500 WASHINGTON, DC 20006 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.34% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGE POINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $28 | — | $28 | 6.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 200 SUMMIT LAKE DR SUITE 350 VALHALLA, NY 10595 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | — | $11 | 2.68% |
| RISK COOPERATIVE LLC3 Filed as: RISK COOPERATIVE | 1825 K STREET NW STE 500 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 CONTRACTED TPA | Contract Administrator; Claims processing; Other insurance fees and expenses Service code 12 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | $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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 19 | $106K |
| Dental | AETNA LIFE INSURANCE COMPANY | 19 | $106K |
| Vision | AETNA LIFE INSURANCE COMPANY | 19 | $106K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 0 | $410 |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 19 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19 | — |
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.
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.