| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DRIVE. SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.39% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $540 | $0 | $540 | 11.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GARY WOOD ASSOCIATES, INC. EIN 13-1826363 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $53K |
| CHOICE STRATEGIES EIN 94-3351864 NONE | Claims processing; Plan Administrator Service code 12 | — | $16K |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 181 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $5K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.