| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHEATLY AGENCY, INC.3 | 377 OAK STREET GARDEN CITY, NY 11530 | AETNA LIFE INSURANCE COMPANY | $45K | $569 | $46K | 2.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.26% |
| WHEATLY AGENCY, INC.3 | 377 OAK STREET, SUITE 205 GARDEN CITY, NY 11530 | COMPANION LIFE INSURANCE COMPANY | $18K | — | $18K | 10.50% |
| WHEATLY AGENCY, INC.3 | 377 OAK STREET, SUITE 205 GARDEN CITY, NY 11530 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| WHEATLY AGENCY, INC.3 | 377 OAK STREET, SUITE 205 GARDEN CITY, NY 11530 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 10.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | SYMETRA LIFE INSURANCE COMPANY | $1K | $163 | $2K | 16.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 213 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 213 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,259 | $181K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 138 | $23K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 213 | $1.7M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 1,259 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.