| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FICKE & ASSOCIATES INC3 | 271 US HWY 46 STE A201 FAIRFIELD, NJ 07004 | AETNA LIFE INSURANCE CO. | $163K | — | $163K | 1.98% |
| FICKE & ASSOCIATES INC3 Filed as: FICKE & ASSOCIATES INC. | 271 US HWY 46 STE A201 FAIRFIELD, NJ 07004 | AETNA LIFE INSURANCE CO. | $56K | — | $56K | 0.68% |
| ADVANCED INSURANCE SERVICES INC3 Filed as: ADVANCED INSURANCE SERVICES INC. | 440 COBIA DRIVE KATY, TX 77494 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 0.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.04% |
| TECHNOLOGY INSURANCE ASSOCIATES LLC3 | 225 GORDONS CORNER RD MANALAPAN, NJ 07726 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.02% |
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 | 1,130 | 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) | 1,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 2,581 | $8.2M |
| Dental | AETNA LIFE INSURANCE CO. | 2,581 | $8.2M |
| Vision | AETNA LIFE INSURANCE CO. | 2,581 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,581 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.