| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER & WALSH INSURANCE ADVISORS3 Filed as: POWER AND WALSH INSURANCE ADV, INC. | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | AMERITAS LIFE INSURANCE CORP. | $4K | $2K | $6K | 3.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE, SUTE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 0.93% |
| POWER & WALSH INSURANCE ADVISORS3 Filed as: POWER AND WALSH INSURANCE ADVISORS | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 354 EISENHOWER PARKWAY, SUITE 2850 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FINANCIAL SVCS INS AGENCY, INC | 1 WASHINGTON MALL, SUITE 800 BOSTON, MA 02108 | VISION SERVICE PLAN | $1K | — | $1K | 5.69% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 319 | $168K |
| Vision | VISION SERVICE PLAN | 123 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $61K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $61K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.