| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DR STE 310 HUNT VALLEY, MD 21030 | AETNA HEALTH, INC. | $2K | — | $2K | 0.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 2340 WINCHESTER, VA 22604 | AETNA LIFE INSURANCE CO. | $8K | $17K | $24K | 4.44% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DR STE 310 HUNT VALLEY, MA 21030 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.45% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN | BLDG. 1, SUITE 200 AUSTIN, TX 78729 | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | — | $15K | 16.00% |
| HOME OFFICE TPA PAYS COMMISSION3 | 475 FALLBROOK BLVD LINCOLN, NE 685219033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.95% |
No Schedule C service providers reported on this filing.
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 251 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 251 | $551K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $16K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 189 | $91K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 189 | $91K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 189 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.