| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $106K | — | $106K | 2.82% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 4.65% |
| RISK STRATEGIES COMPANY3 | 1400 ROCKY RIDGE DRIVE, SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 51.61% |
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 | 522 | 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) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,227 | $3.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,227 | $3.8M |
| Vision | VISION SERVICE PLAN | 509 | $30K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,227 | $3.8M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,227 | $3.8M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,227 | $3.8M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,227 | $3.8M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,227 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,227 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.