| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC | 450 N END AVE 19A NEW YORK, NY 10282 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 10.87% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | — | $47K | 8.33% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES | 450 N END AVE 19A NEW YORK, NY 10282 | ARMADACARE | $275 | — | $275 | 0.39% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ARMADACARE | $25 | — | $25 | 0.04% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES | 450 N END AVE 19A NEW YORK, NY 10282 | FIRST RELIANCE STANDARD | $2K | — | $2K | 9.99% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC | 1123 BROADWAY STE 1116 NEW YORK, NY 10010 | FIRST RELIANCE STANDARD | $2 | — | $2 | 0.01% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES | 450 N END AVE 19A NEW YORK, NY 10282 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC | 450 N END AVE 19A NEW YORK, NY 10282 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $234 | — | $234 | 8.95% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 1.38% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC | 1123 BROADWAY STE 1116 NEW YORK, NY 10010 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $17 | — | $17 | 0.65% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES | 450 N END AVE 19A NEW YORK, NY 10282 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $501 | — | $501 | 19.94% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC | 1123 BROADWAY STE 1115 NEW YORK, NY 10010 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES | 450 N END AVE 19A NEW YORK, NY 10282 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $205 | — | $205 | 15.03% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $640K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $570K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $570K |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD | 199 | $23K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 21 | $3K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 37 | $6K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.