| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH. LLC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.11% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.05% |
| LAWMED INSURANCE GROUP, INC.3 | 4148 SPRING IS OKATIE, SC 29909 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK, LLC | 1055 RXR PLAZA UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $597 | $0 | $597 | 0.75% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 2 AQUARIUM DRIVE SUITE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $123 | $0 | $123 | 0.16% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH. LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $6K | $6K | 9.00% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE HARRISON, NY 10528 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $80K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $80K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 149 | $69K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 43 | $79K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 149 | $69K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.