| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASD INSURANCE AND FINANCIAL SERVICE3 Filed as: ASD INSURANCE AND FINANCIALS | 12404 PARK CENTRAL DRIVE SUITE D4005 DALLAS, TX 75251 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $981 | — | $981 | 1.71% |
| ANNE HELLER3 | 364 D HACKENSACK STREET WOODRIDGE, NJ 07075 | NEWYORK LIFE INSURANCE CO OF NEW YORK | $3K | — | $3K | 8.74% |
| ANNE HELLER3 | 364 D HACKENSACK ST WOOD RIDGE, NJ 07075 | SUN LIFE AND HEALTH INSURANCE COMPANY(U.S.) | $1K | — | $1K | 15.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNEM LIFE INSURANCE COMPANY | $991 | — | $991 | 15.54% |
| ANNE HELLER3 | 122 PARISH DRIVE WAYNE, NJ 07470 | VISION SERVICE PLAN | $508 | — | $508 | 9.80% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 4 | $57K |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 4 | $57K |
| Vision(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 28 | $62K |
| Life insurance | FIRST UNEM LIFE INSURANCE COMPANY | 100 | $6K |
| Short-term disability | FIRST UNEM LIFE INSURANCE COMPANY | 100 | $6K |
| Long-term disability | NEWYORK LIFE INSURANCE CO OF NEW YORK | 107 | $38K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY(U.S.) | 10 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.