| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | AETNA LIFE INSURANCE COMPANY | $61K | $0 | $61K | 9.43% |
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | AETNA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $2.3M |
| AON HEWITT NONE | Other services Service code 49 | PO BOX 95135 CHICAGO, IL 60694 | $160K |
| BUSINESS SOLVER NONE | Other services Service code 49 | 8520 CLIFF CAMERON DR SUITE 420 CHARLOTTE, NC 28269 | $149K |
| PAYFLEX SYSTEMS USA INC NONE | Other services Service code 49 | 10802 FARNAM DR, STE 100 OMAHA, NE 68154 | $101K |
| HODGES-MACE LLC / ALIGHT SOLUTIONS NONE | Other services Service code 49 | 5775 GLENRIDGE DR BLDG E SUITE 500 ATLANTA, GA 30328 | $91K |
| SI SOLUTIONS NONE | Other services Service code 49 | PO BOX 6437 FLORENCE, SC 29502 | $46K |
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 | 2,957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,320 | $647K |
| Vision | AETNA LIFE INSURANCE COMPANY | 5,693 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,693 | — |
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.