| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | AETNA HEALTH, INC. | $16K | $0 | $16K | 1.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $362 | $0 | $362 | 1.43% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVENUE 2ND FL NEW YORK, NY 10022 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $367 | $0 | $367 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GARY WOOD ASSOCIATES INC NONE | Insurance agents and brokers Service code 22 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | $54K |
| CHOICE STRATEGIES NONE | Claims processing; Plan Administrator Service code 12 | PO BOX 2205 SOUTH BURLINGTON, VT 05407 | $11K |
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 | 132 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4 | $25K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $3K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.