| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD W MURRAY III3 | 14120 METROPOLIS AVE FORT MYERS, FL 339124331 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 5.63% |
| EDWARD W MURRAY III3 | PO BOX 61530 FORT MYERS, FL 339061530 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.24% |
| EDWARD W MURRAY III3 | 14120 METROPOLIS AVE FORT MYERS, FL 339124331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| EDWARD W MURRAY III3 | 14120 METROPOLIS AVE FORT MYERS, FL 339124331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $110K |
| EDWARD W MURRAY III NONE | Insurance agents and brokers; Consulting (general) Service code 16 | 14120 METROPOLIS AVENUE FORT MYERS, FL 33912 | $41K |
| AETNA PPO EIN 06-6033492 NONE | Claims processing Service code 12 | — | $19K |
| HEALTH FITNESS EIN 41-1580506 NONE | Claims processing Service code 12 | — | $11K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $9K |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $45K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 163 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.