| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 105 FIELDCREST AVE EDISON, NJ 08837 | AETNA LIFE INSURANCE CO. | $122K | — | $122K | 3.69% |
| DONALD C SAVOY INC3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 0.51% |
| DONALD C SAVOY INC3 | 200 CONNELL DR BERKELEY HTS, NJ 07922 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR & FINANCIAL SVCS | 1133 WESTCHESTER AVE SUITE S-229 WHITE PLAINS, NY 10604 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $10K | — | $10K | 5.00% |
| AFH GROUP BENEFITS LTD3 | 3023 AVENUE J BROOKLYN, NY 112103837 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $4K | — | $4K | 2.11% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER COMMONS DRIVE BREWSTER, NY 10509 | HARTFORD LIFE AND ACCIDENT | $9K | $9K | $19K | 10.58% |
| TOTALBEN LLC3 | 1374 E 28TH ST BROOKLYN, NY 11210 | SHELTERPOINT LIFE INSURANCE CO | $4K | — | $4K | 12.00% |
| ALEX HERSKOVICH3 | 1213 E 31ST ST BROOKLYN, NY 11210 | METROPOLITAN LIFE INSURANCE COMPANY | $772 | — | $772 | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 752511800 | METROPOLITAN LIFE INSURANCE COMPANY | $759 | $13 | $772 | — |
| AHF GROUP BENEFITS LTD3 | 3023 AVENUE J BROOKLYN, NY 112103837 | METROPOLITAN LIFE INSURANCE COMPANY | $759 | — | $759 | — |
No Schedule C service providers reported on this filing.
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 229 | $3.3M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 145 | $191K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 194 | $223K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 327 | $176K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 327 | $176K |
| Other | HARTFORD LIFE AND ACCIDENT | 327 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
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.