| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $2.6M | — | $2.6M | 17.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SVCS | 2399 NJ-34 BLDG C-2 MANASQUAN, NJ 08736 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | $97K | $49K | $146K | 15.00% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR STE 540 BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $410 | $410 | 0.04% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $22K | — | $22K | 19.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 NONE | Other insurance fees and expenses; Claims processing; Contract Administrator Service code 12 | — | $3.0M |
| UNITEDHEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $2.8M |
| MERCER HEALTH AND BENEFITS, LLC EIN 34-2015463 NONE | Other commissions Service code 55 | — | $74K |
| COMERICA BANK, N.A. EIN 42-1741646 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $6K |
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 | 4,692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,358 | $15.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 4,358 | $15.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,692 | $1.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,692 | $1.7M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,519 | $972K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,692 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,692 | — |
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.