| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A C EDWARDS INC.3 | 140 GREENE AVENUE PO BOX 428 SAYVILLE, NY 117820428 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVS | 12404 PARK CENTRAL DRIVE SUITE 400 S DALLAS, TX 75251 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $610 | — | $610 | 5.00% |
| A C EDWARDS INC.3 Filed as: A. C. EDWARDS, INC. | 140 GREENE AVENUE PO BOX 428 SAYVILLE, NY 117820428 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVS | 12404 PARK CENTRAL DRIVE SUITE 400 S DALLAS, TX 75251 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $414 | — | $414 | 4.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEM EIN 36-3086057 NONE | Contract Administrator Service code 13 | — | $41K |
| A C EDWARDS INC. EIN 11-0707930 NONE | Other services Service code 49 | — | $37K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Other services Service code 49 | — | $22K |
| DKG INSURANCE & FINANCIAL SERVICES EIN 75-2854608 NONE | Other services Service code 49 | — | $7K |
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 | 161 | 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. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $12K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $9K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.