| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | AETNA LIFE INSURANCE CO | $401K | — | $401K | 4.67% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | AETNA LIFE INSURANCE COMPANY | $40K | — | $40K | 5.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER ST 12TH FL NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $8.7M |
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $4.3M |
| BEST DOCTORS INC EIN 04-2908444 NONE | Other fees Service code 99 | — | $378K |
| CATAMARAN PDM OF MARYLAND EIN 88-0361447 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $361K |
| HEALTH DATA MANAGEMENT SOLUTIONS EIN 52-2182411 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $271K |
| ADP BENEFIT SERVICES EIN 61-1169763 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $262K |
| ALERE FREE & CLEAR INC EIN 20-0231080 NONE | Other fees Service code 99 | — | $121K |
| EYEMED VISION CARE EIN 31-1656473 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $72K |
| QUEST DIAGNOSTICS CLINICAL LABORATO EIN 38-2084239 NONE | Other fees Service code 99 | — | $23K |
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 | 21,532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO | 47,855 | $8.6M |
| Long-term disability | AETNA LIFE INSURANCE CO | 47,855 | $8.6M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 47,855 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,855 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.