| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS EXCHANGE ALLIANCE3 | 3744 MT. DIABLO BLVD. LAYFAYETTE, CA 94549 | AETNA HEALTH, INC. | $137K | $5K | $142K | 4.92% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AETNA HEALTH, INC. | $11K | $0 | $11K | 0.39% |
| BENEFITS EXCHANGE ALLIANCE3 | 3744 MT. DIABLO BLVD. LAKE FOREST, CA 92630 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.62% |
| DIVERSIFIED INSURANCE GROUP3 | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.53% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 12.51% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $768 | $0 | $768 | 2.49% |
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $0 | $249 | $249 | 0.81% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 421 | $2.9M |
| Dental | AETNA HEALTH, INC. | 421 | $2.9M |
| Vision | AETNA HEALTH, INC. | 421 | $2.9M |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 317 | $31K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 317 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.