| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | $282 | $11K | 6.77% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $3K | $52 | $3K | 1.88% |
| TONYA M DORMAN3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $2K | $49 | $2K | 1.53% |
| MARY JO ARNOLD3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $2K | $243 | $2K | 1.43% |
| HOLLIE A CHAFFIN3 | 1105 LOUISIANA PL LONGMONT, CO 80501 | AFLAC | $2K | $58 | $2K | 1.01% |
| FRANCINE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $1K | $258 | $1K | 0.88% |
| MARIA G CISNEROS3 | 3437 WAYSIDE ST EL PASO, TX 79936 | AFLAC | $1K | $26 | $1K | 0.71% |
| JANINE YVONNE TORRES3 | 2202 SEA GULL DR. EL PASO, TX 79936 | AFLAC | $845 | $192 | $1K | 0.65% |
| CHARLOTTE A CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $772 | $244 | $1K | 0.63% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $914 | — | $914 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator Service code 13 | — | $212K |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 411 | $279K |
| Short-term disability | AFLAC | 187 | $161K |
| Long-term disability | AFLAC | 187 | $161K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 411 | $709K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.