| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHMENT3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | $234 | $6K | 17.18% |
| VARIOUS - SEE ATTACHMENT3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $953 | $54 | $1K | 12.50% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | AETNA LIFE INSURANCE COMPANY | $259 | — | $259 | 284.62% |
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 | 660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 530 | $500K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 411 | $178K |
| Vision | EYEMED VISION CARE | 1,031 | $40K |
| Life insurance(3 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 660 | $141K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $89K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $43K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 530 | $500K |
| Other(4 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 660 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.