| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW, SUITE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | $0 | $155K | $155K | 6.90% |
| NICOLE WHITMORE3 | 198 HEBERTON AVENUE STATEN ISLAND, NY 10302 | GERBER LIFE INSURANCE COMPANY | $44K | $0 | $44K | 1.98% |
| TRANSPARENT HEALTHCARE GROUP4 | 630 FAIRVIEW ROAD, SUITE 201 SWARTHMORE, PA 19081 | GERBER LIFE INSURANCE COMPANY | $0 | $27K | $27K | 1.21% |
| MAGNACARE NETWORK4 | 1600 STEWART AVE STE 700 WESTBURY, NY 11590 | GERBER LIFE INSURANCE COMPANY | $0 | $14K | $14K | 0.64% |
| CARE ADVOCATES4 | 345 N. RIVERVIEW, SUITE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.17% |
| VAN VALEN ASSOCIATES LTD.3 | 50 CARMEN VIEW DRIVE SHIRLEY, NY 11967 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $14K | $0 | $14K | 3.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ISABEL VAZQUEZ EIN 13-4191811 EMPLOYEE | Plan Administrator; Employee (plan); Direct payment from the plan Service code 14 | — | $93K |
| GLORIA LARRONDO EIN 13-4191811 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| JOSE VEGA EIN 13-4191811 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $22K |
| COSTAROTHBORT CPAS, LLC EIN 46-5286678 AUDITORS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 312 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.