| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC MA | 100 FRONT ST. #610 WORCHESTER, MA 01608 | GREAT MIDWEST INSURANCE COMPANY | $16K | $0 | $16K | 3.00% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE. STE 220 HARRISON, NY 10528 | AETNA LIFE INSURANCE COMPANY | $33K | $0 | $33K | 14.33% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.15% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE. STE 220 HARRIOSN, NY 10528 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERV | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.00% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 100368401 | PRINCIPAL LIFE INSURANCE COMPANY | -$50 | $0 | -$50 | -0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| YORK INTERNATIONAL AGENCY EIN 86-1093517 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $130K |
| TRUST HEALTH BENEFITS, INC EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $24K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREAT MIDWEST INSURANCE COMPANY | 840 | $539K |
| Dental | AETNA LIFE INSURANCE COMPANY | 833 | $233K |
| Vision | AETNA LIFE INSURANCE COMPANY | 833 | $233K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 790 | $156K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 790 | $156K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 840 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.