| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIELS INS AGCY INC3 | 320 GOLD AVE SW SUITE 700 ALBUQUERQUE, NM 87102 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 0.26% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 10 TOWER LANE SUITE 100 AVON, CT 06001 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.03% |
| WEB TPA3 Filed as: WEB-TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $960 | — | $960 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANK OF NEW YORK MELLON EIN 13-5160382 N/A | Trustee (bank, trust company, or similar financial institution); Custodial (securities); Custodial (other than securities); Direct payment from the plan Service code 18 | — | $158K |
| TOWERS WATSON EIN 53-0181291 N/A | Actuarial; Direct payment from the plan; Account maintenance fees Service code 11 | — | $99K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,712 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 893 | $181K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 1,759 | $1.9M |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,770 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,770 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.