| 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 FINANCIAL 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 | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA | — | $7K | $7K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 340 MADISON AVENUE NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 340 MADISON AVENUE NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 340 MADISON AVENUE NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | — |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 0 | $1.9M |
| Dental | CIGNA | 142 | $0 |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 42 | $0 |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 26 | $0 |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 26 | $0 |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 237 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.