| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | AETNA LIFE INSURANCE COMPANY | $120K | $0 | $120K | 9.74% |
| EMPLOYEE PLANS AND INS CONSULTANTS3 | PO BOX 35402 GREENSBORO, NC 27425 | AETNA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $2.9M |
| HODGES-MACE LLC / ALIGHT SOLUTIONS NONE | Other services Service code 49 | 5775 GLENRIDGE DR BLDG E SUITE 500 ATLANTA, GA 30328 | $442K |
| AETNA BEHAVIORAL HEALTH EIN 20-0446713 NONE | Other services Service code 49 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $226K |
| HEALTHCARE BLUEBOOK NONE | Other services Service code 49 | 330 FRANKLIN RD STE 135A-428 BRENTWOOD, TN 370273280 | $172K |
| MILLIMAN NONE | Other services Service code 49 | 3424 PEACHTREE ROAD NE SUITE 1900 ATLANTA, GA 303261123 | $156K |
| PAYFLEX SYSTEMS USA INC NONE | Other services Service code 49 | 10802 FARNAM DR, STE 100 OMAHA, NE 68154 | $115K |
| THE SOURCING GROUP LLC NONE | Other services Service code 49 | PO BOX 6568 CAROL STREAM, IL 60197 | $79K |
| BIG HEALTH (SLEEPIO) NONE | Other services Service code 49 | 461 BUSH ST 200 SAN FRANCISCO, CA 94108 | $53K |
| EPIC, INC. NONE | Other services Service code 49 | PO BOX 35402 GREENSBORO, NC 27425 | $36K |
| OPTUM NONE | Other services Service code 49 | 307 INTERNATIONAL CIRCLE SUITE 200 HUNT VALLEY, MD 21030 | $17K |
| HMS (HEALTHCARE MANAGMENT SOLUTIONS NONE | Other services Service code 49 | 1000 TECHNOLOGY DR, SUITE 1310 FAIRMONT, WV 26554 | $14K |
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 | 4,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 3,361 | $1.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 7,180 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,180 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.