| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $63K | — | $63K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLELLAN AGENCY | 9850 NW 41ST ST 100 ATTENTION ACCOUNTING DEPARTMENT MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 4.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY - CA | PO BOX 85638 MARSH USA INC SAN DIEGO, CA 921865638 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.26% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: THE BOON INUSRANCE AGENCY | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 7.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLELLAN AGENCY | 9850 NW 41ST ST 100 ATTENTION ACCOUNTING DEPARTMENT MIAMI, FL 33178 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 7.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY - CA | PO BOX 85638 MARSH USA INC SAN DIEGO, CA 921865638 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 CONTRACTED 3RD PARTY ADMN | Claims processing; Other insurance fees and expenses; Contract Administrator Service code 12 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | $0 |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 99 | $577K |
| Dental | AETNA LIFE INSURANCE COMPANY | 99 | $577K |
| Vision | AETNA LIFE INSURANCE COMPANY | 99 | $577K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 205 | $717K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 205 | $140K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 99 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.