| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | HCC LIFE INSURANCE COMPANY | $404K | — | $404K | 13.41% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031703 | METROPOLITAN LIFE INSURANCE COMPANY | $156K | $52K | $208K | 7.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.5M |
| SUTTON SPECIAL RISK NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $907K |
| PROSKAUER ROSE EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $420K |
| BWD AGENCY NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Consulting (general) Service code 16 | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | $370K |
| BREDHOFF & KAISER PLLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $343K |
| CDS ADMINISTRATORS, INC EIN 25-1352803 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $170K |
| BLAKE CASSELS & GRAYDON, LLP NONE | Legal; Direct payment from the plan Service code 29 | — | $122K |
| BOND BEEBE, P.C. EIN 52-1044197 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $63K |
| KOSKIE MINSKY LLP NONE | Legal; Direct payment from the plan Service code 29 | — | $59K |
| JLT INSURANCE MANAGEMENT NONE | Contract Administrator; Accounting (including auditing); Direct payment from the plan; Plan Administrator Service code 10 | — | $30K |
| SAV-RX PRESCRIPTION SERVICES EIN 47-0527013 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| HORIZON EIN 26-1370698 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $15K |
| NEXGENRX INC NONE | Direct payment from the plan; Claims processing Service code 12 | — | $8K |
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 | 1,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 479 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,781 | $2.9M |
| Long-term disability | HCC LIFE INSURANCE COMPANY | 1,024 | $3.0M |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA LIFE INSURANCE | 1,352 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,781 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,781 | — |
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.