| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: HUMPHREY STUMP & HAYNIE | 100 MAIN STREET SALEM, VA 24153 | AETNA | $13K | — | $13K | 10.42% |
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: HUMPHREY STUMP & HAYNIE | 100 MAIN STREET SALEM, VA 24153 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $6K | — | $6K | 9.57% |
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: HUMPHREY STUMP & HAYNIE | 100 MAIN STREET SALEM, VA 24153 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 10.82% |
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: HUMPHREY STUMP & HAYNIE | 100 MAIN STREET SALEM, VA 24153 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 10.00% |
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: HUMPHREY STUMP & HAYNIE | 100 MAIN STREET SALEM, VA 24153 | GUARDIAN | $4K | — | $4K | 19.78% |
| HUMPHREY STUMP & HAYNIE INS AGENCY3 Filed as: HUMPHREY STUMP & HAYNIE | 100 MAIN STREET SALEM, VA 24153 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $930 | — | $930 | 7.30% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 337 | $124K |
| Vision | AETNA | 337 | $124K |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 228 | $80K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 96 | $27K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 228 | $39K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 181 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.