| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 825 THIRD AVE 2ND FLOOR NEW YORK, NY 10022 | AETNA | $94K | — | $94K | 5.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | AETNA | $19K | — | $19K | 1.00% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 825 THIRD AVE 2ND FLOOR NEW YORK, NY 10022 | CIGNA | $19K | — | $19K | 9.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA | — | $7K | $7K | 3.97% |
| MAXIM GROUP LLC3 | 20 CROSSWAYS PARK DR N STE 304 WOODBURY, NY 11797 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.67% |
| COMPSYCH5 Filed as: COMPSYCH CORPORATION | NBC TOWER 455 N CITYFRONT PLAZA DR 13TH FLOOR CHICAGO, IL 60611 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 0.08% |
| MAXIM GROUP LLC3 | 20 CROSSWAYS PARK DR N STE 304 WOODBURY, NY 11797 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.32% |
| MAXIM GROUP LLC3 | 20 CROSSWAYS PARK DR N STE 304 WOODBURY, NY 11797 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 7.97% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 328 | $1.9M |
| Dental | CIGNA | 141 | $187K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 36 | $32K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 67 | $25K |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 291 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.