| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | 2 RECTOR STREET 23RD FLOOR NEW YORK, NY 10006 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 1.78% |
| CAMMACK HEALTH LLC3 | 1 BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 1.24% |
| LAURA ELIZABETH HALL3 | PO BOX 22318 LEXINGTON, KY 40522 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 2.36% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | PRINCIPAL LIFE INSURANCE COMPANY | — | $15K | $15K | 1.81% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 9.88% |
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 | 10,710 | 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) | 10,710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 4,267 | $899K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 8,236 | $543K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 11,522 | $814K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,522 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.