| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $5 | $35K | $35K | 0.60% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF GEOR | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 21.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH AND MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $92K |
| RELATION INSURANCE INC BROKER | Insurance agents and brokers; Insurance services Service code 22 | 5825 MEDLOCK BRIDGE PARKWAY JOHNS CREEK, GA 30022 | $18K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Plan Administrator; Contract Administrator Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $5K |
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 | 502 | 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) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 720 | $5.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 720 | $5.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 720 | $5.8M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 159 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.