| 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 AND AFFILIATES | $52K | $0 | $52K | 4.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $0 | $12K | 0.98% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | SUN LIFE AND HEALTH INSURANCE COMPANY | $12K | $0 | $12K | 12.96% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD STE 120 SOUTH MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 9.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 4.93% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHOICE STRATEGIES NONE | Contract Administrator; Claims processing Service code 12 | PO BOX 2205 SOUTH BURLINGTON, VT 05407 | $9K |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 164 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 215 | $77K |
| Vision | VISION SERVICE PLAN | 93 | $24K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 160 | $92K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 160 | $92K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 160 | $92K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 160 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.