| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $46K | $10K | $56K | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.01% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA LIFE INSURANCE COMPANY | $953 | $0 | $953 | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 350 MADISON AVENUE, 7TH FLOOR NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 31.40% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $349 | $590 | $939 | 4.62% |
| GARY WOOD ASSOCIATES, INC.3 | 1212 AVENUE OF THE AMERICAS 9TH FLOOR NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $495 | $0 | $495 | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $245 | $0 | $245 | 9.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | $0 | $134 | $134 | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $36 | $36 | 1.35% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $23 | $0 | $23 | 0.86% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 400 NORTH PONCE DE LEON BOULEVARD SAINT AUGUSTINE, PA 32084 | HARTFORD LIFE AND ACCIDENT | $0 | $9 | $9 | 0.34% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $17 | $0 | $17 | — |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 81 | $999K |
| Dental | AETNA LIFE INSURANCE COMPANY | 127 | $59K |
| Vision | AETNA LIFE INSURANCE COMPANY | 127 | $59K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $20K |
| Prescription drug(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 81 | $999K |
| Other | HARTFORD LIFE AND ACCIDENT | 123 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.