| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAC CREATIVE PLAN SOLUTIONS3 | 21 CLARK PLACE STE 1A MAHOPAC, NY 10541 | MVP HEALTH CARE | $46K | — | $46K | 4.96% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.92% |
| MAC CREATIVE PLAN SOLUTIONS3 | 52 JENNIFER LANE MAHOPAC FALLS, NY 10541 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.68% |
| MAC CREATIVE PLAN SOLUTIONS3 Filed as: MAC CREATIVE PLAN SOLUTIONS CORP | 21 CLARK PLACE SUITE 1A MAHOPAC, NY 10541 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MAC CREATIVE PLAN SOLUTIONS3 Filed as: MAC CREATIVE PLAN SOLUTIONS CORP | 21 CLARK PLACE SUITE 1A MAHOPAC, NY 10541 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MAC CREATIVE PLANS SOLUTIONS CORP3 | 21 CLARK PLACE STE 1A MAHOPAC, NY 10541 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $782 | — | $782 | 9.99% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 206 | $918K |
| Dental | AETNA LIFE INSURANCE CO. | 217 | $109K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 112 | $8K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $33K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $29K |
| Prescription drug | MVP HEALTH CARE | 206 | $918K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.