| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS INC. | 155 108TH AVE NE BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $64K | — | $64K | 4.59% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 801 NEW YORK, NY 10001 | SUN LIFE AND HEALTH INSURANCE COMPANY | $19K | — | $19K | 8.83% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | $14K | $4K | $18K | 8.72% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS INC. | 108TH AVE NE BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.53% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS INC. | 155 108TH AVE NE BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.67% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE COMPANY | 226 | $1.5M |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY | 128 | $210K |
| Vision(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 226 | $1.7M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 128 | $210K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 128 | $210K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 128 | $210K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 128 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.