| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY OF AMERICA | $0 | $305 | $305 | 0.02% |
| BAKER MAGRAS & ASSOCIATES INC.3 Filed as: BAKER MAGRAS & ASSOCIATES | PO BOX 7937 ST THOMAS, VI 00801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $4K | $5K | $9K | 8.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $3K | $0 | $3K | 3.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF HAWAII | PO BOX 955909 SAINT LOUIS, MO 63195 | VISION SERVICE PLAN | $221 | $0 | $221 | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $212 | $0 | $212 | 4.44% |
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 | 77 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY OF AMERICA | 147 | $2.5M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY OF AMERICA | 147 | $1.8M |
| Vision(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 61 | $280K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 77 | $117K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 77 | $117K |
| Prescription drug(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY OF AMERICA | 147 | $2.5M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 77 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.