| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $41K | — | $41K | 10.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLELLAN AGENCY | 9850 NW 41ST ST 100 MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLELLAN AGENCY | 9850 NW 41ST ST 100 MIAMI, FL 33178 | TRANSAMERICA LIFE INSURANCE COMPANY | $414 | — | $414 | 418.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 CONTRACTED 3RD PARTY ADMN | Other insurance fees and expenses; Claims processing; Contract Administrator Service code 12 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | $610 |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 104 | $385K |
| Dental | AETNA LIFE INSURANCE COMPANY | 104 | $385K |
| Vision | AETNA LIFE INSURANCE COMPANY | 104 | $385K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 105 | $385K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 105 | $99 |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 104 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.