| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITA INSURANCE ASSOCIATES, INC.3 | — | AETNA LIFE INSURANCE COMPANY | $124K | — | $124K | 3.17% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 4.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | -$15 | — | -$15 | -0.00% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | AETNA HEALTH, INC. | $12K | — | $12K | 3.08% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 3.00% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | VISION SERVICE PLAN | $2K | — | $2K | 4.44% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | HARTFORD LIFE AND ACCIDENT | $4K | $72 | $4K | 15.25% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 366 | $4.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 163 | $297K |
| Vision | VISION SERVICE PLAN | 161 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $547K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $637K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $637K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 366 | $4.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 149 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.