| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 6.85% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 4.96% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $5K | — | $5K | 12.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 12.00% |
| FOUNDATION RISK PARTNERS CORP3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $175 | — | $175 | 11.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Claims processing Service code 12 | — | $382K |
| FOUNDATION RISK PARTNERS CORP NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | $189K |
| CENTERSTONE INS & FIN SERV (NY) NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1133 WESTCHESTER AVE. SUITE 229 WHIE PLAINS, NY 10602 | $71K |
| CORPORATE SYNERGIES GROUP LLC EIN 20-1622581 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $17K |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 333 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 437 | $192K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO | 333 | $1.6M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 306 | $18K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 300 | $43K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 333 | $1.6M |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 306 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.