| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE COMPANY | $179 | — | $179 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 300 E MAIN STREET, SUITE 1300 NORFOLK, VA 23510 | AETNA LIFE INSURANCE COMPANY | $26 | — | $26 | 0.00% |
| NETWORK ADMIN INS AGCY INC3 Filed as: NETWORK ADMINISTRATORS INSURANCE | 414 MAIN STREET, SUITE 103 PORT JEFFERSON, NY 11777 | SYMETRA | $29K | — | $29K | 5.96% |
| NETWORK ADMIN INS AGCY INC3 Filed as: NETWORK ADMINISTRATORS INSURANCE | 414 MAIN STREET, SUITE 103 PORT JEFFERSON, NY 11777 | SYMETRA | $287 | — | $287 | 6.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GOVERNMENT SERVICE ADMINISTRATORS EIN 11-3335620 NO RELATIONSHIP | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $109K |
| HOMES, LOWRY, HORN & JOHNSON, LTD. EIN 54-0975470 CPA FIRM/AUDITOR | Accounting (including auditing) Service code 10 | — | $15K |
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 | 606 | 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) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 256 | $2.2M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 256 | $2.2M |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 232 | $2.0M |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 256 | $2.2M |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 256 | $2.2M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 256 | $1.7M |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 232 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.