| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | AETNA LIFE INSURANCE CO. | $21K | $0 | $21K | 3.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOINT INDUSTRY BOARD EIN 13-0891035 NONE | Direct payment from the plan; Other services; Plan Administrator Service code 14 | — | $247K |
| SEIX INVESTMENT ADVISORS EIN 13-3673812 NONE | Investment management; Direct payment from the plan Service code 28 | — | $36K |
| DEUTSCHE BANK EIN 13-6065488 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| COHEN, WEISS AND SIMON LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
| STATE STREET CORPORATION EIN 04-1867445 NONE | Direct payment from the plan; Other fees; Investment management Service code 28 | — | $1K |
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 | 12,469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 11,242 | $645K |
| Other | AETNA LIFE INSURANCE CO. | 11,242 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,242 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.