| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFITS SOLUTIONS LLC3 | 155 108TH AVE NE BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $82K | — | $82K | 4.94% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 65 MADISON AVE SUITE 200 MORRISTOWN, NJ 07960 | SUN LIFE AND HEALTH INSURANCE COMPANY | $29K | — | $29K | 13.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | $13K | $6K | $19K | 8.58% |
| TOTAL BENEFITS SOLUTIONS LLC3 | 155 108TH AVE NE BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.75% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 65 MADISON AVE SUITE 200 MORRISTOWN, NJ 07960 | SUN LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 4.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | $142 | $595 | $737 | 2.73% |
| TOTAL BENEFITS SOLUTIONS LLC3 | 155 108TH AVE NE BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $422 | — | $422 | 6.05% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE COMPANY | 192 | $1.7M |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY | 111 | $219K |
| Vision(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 192 | $2.0M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 111 | $219K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 111 | $219K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 111 | $219K |
| Other(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 111 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.