| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOLAN HAVERN3 | 50 MILK STREET FLOOR 16 BOSTON, MA 02109 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | $11K | $45K | 16.63% |
| LEAGUE CORP3 | 111 WEST ILLINOIS STREET CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.08% |
| TOTAL BENEFITS SOLUTIONS LLC3 | 155 108TH AVENUE NORTHEAST SUITE 800 BELLEVUE, WA 98033 | AETNA LIFE INSURANCE COMPANY | $58K | — | $58K | 45.08% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 256 | $130K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $270K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $270K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $270K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $270K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $270K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.