| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $8K | $160 | $9K | 6.38% |
| STACEY THOMAS CAMPBELL3 | 1617 14TH AVE GREELEY, CO 80631 | AFLAC | $3K | — | $3K | 2.40% |
| MARY JO ARNOLD3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $1K | — | $1K | 1.02% |
| ROBERT C BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $814 | — | $814 | 0.60% |
| FRANCINE BERTRAM3 | 9630 REMINGTON AVE FIRESTONE, CO 80504 | AFLAC | $676 | — | $676 | 0.50% |
| LAWRENCE L CASTILLO3 | 3308 EL MALECON RD NW ALBUQUERQUE, NM 87120 | AFLAC | $591 | — | $591 | 0.44% |
| TONYA M DORMAN3 | 8569 VALLEY RANCH PT FOUNTAIN, CO 80817 | AFLAC | $582 | — | $582 | 0.43% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.30% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH, INC. | 300 CORPORATE PKWY AMHERST, NY 14226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $875 | — | $875 | 9.25% |
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 | 444 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AFLAC | 444 | $263K |
| Short-term disability | AFLAC | 123 | $135K |
| Long-term disability | AFLAC | 123 | $135K |
| Other(3 contracts, 2 carriers) | GARDEN STATE LIFE INSURANCE CO | 444 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.