| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 600 HIGHWAY 169 SOUTH SUITE 1200 ST LOUIS PARK, MN 55426 | AETNA HEALTH, INC. | — | $38K | $38K | 4.10% |
| STEVEN B. KAPLAN3 Filed as: STEVEN BARRY KAPLAN | 8480 SW 147 TERRACE PALMETTO BAY, FL 33158 | AETNA HEALTH, INC. | — | $7K | $7K | 0.78% |
| WELLS FARGO INSURANCE SERVICES3 | 600 WEST CUTHBERT BOULEVARD 6TH FLOOR WESTMONT, NJ 08108 | AETNA HEALTH, INC. | — | $3K | $3K | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | AETNA HEALTH, INC. | — | $180 | $180 | 0.02% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES, INC | PO BOX 203334 DALLAS, TX 75320 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $38K | $38K | 6.38% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET, 4TH FLOOR SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.50% |
| STEVE B. KAPLAN3 | 8480 SW 147 TERRACE PALMETTO BAY, FL 33158 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $853 | — | $853 | 1.50% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.13% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 220748 CHARLOTTE, NC 28222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.75% |
| STEVEN B. KAPLAN3 | 8480 SW 147 TERRACE PALMETTO BAY, FL 33158 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $544 | — | $544 | 2.25% |
| WELLS FARGO INSURANCE SERVICES3 | 600 HIGHWAY 169 SOUTH SUITE 1200 ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.38% |
| STEVEN B. KAPLAN3 Filed as: STEVEN BARRY KAPLAN | 8480 SW 147 TERRACE PALMETTO BAY, FL 33158 | AETNA LIFE INSURANCE COMPANY | $431 | — | $431 | 2.00% |
| WELLS FARGO INSURANCE SERVICES3 | 600 WEST CUTHBERT BOULEVARD 6TH FLOOR WESTMONT, NJ 08108 | AETNA LIFE INSURANCE COMPANY | $202 | — | $202 | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 7009 DR. PHILLIPS BOULEVARD ORLANDO, FL 32819 | AETNA LIFE INSURANCE COMPANY | — | $180 | $180 | 0.84% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 215 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $57K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $57K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 99 | $22K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 40 | $24K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 40 | $24K |
| Prescription drug(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 215 | $1.6M |
| Other | AETNA LIFE INSURANCE COMPANY | 99 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.