| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | BERKLEY ACCIDENT AND HEALTH | $0 | — | $0 | 0.00% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | CONTINENTAL BENEFITS | — | $85K | $85K | 53.31% |
| MERITAIN HEALTH Filed as: AETNA | 131 SOUTH DEARBORN CHICAGO, IL 60603 | CONTINENTAL BENEFITS | — | $55K | $55K | 34.08% |
| CONTINENTAL BENEFITS | 422 S KINGS AVENUE BRANDON, FL 33511 | CONTINENTAL BENEFITS | — | $20K | $20K | 12.61% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | — | DELTA DENTAL OF NEW MEXICO | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $370 | $370 | 0.39% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $322 | $322 | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES ALBUQUERQUE | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 14.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES- ALBUQUERQUE | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4 | $4 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL BENEFITS | 130 | $160K |
| Dental | DELTA DENTAL OF NEW MEXICO | 294 | $135K |
| Vision | VISION SERVICE PLAN | 132 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 165 | $94K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 165 | $94K |
| Stop-loss / reinsurancereinsurance | BERKLEY ACCIDENT AND HEALTH | 136 | $329K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 166 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.