| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $98K | — | $98K | 4.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $32K | $32K | 1.62% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 20 CAMDEN, NJ 08103 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $20K | — | $20K | 0.99% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | SUN LIFE AND HEALTH INSURANCE | $10K | — | $10K | 12.56% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GRP LLC | 155 PINELAWN ROAD STE 120 SOUTH MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE | $4K | $1K | $5K | 6.47% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | EYEMED VISION | $3K | — | $3K | 15.28% |
| GARY WOOD ASSOCIATES, INC.3 | 1212 AVENUE OF THE AMERICAS 9TH FL. STE 900 NEW YORK, NY 10036 | EYEMED VISION | $2K | — | $2K | 14.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OCA NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3705 QUAKERBRIDGE ROAD, SUITE 216 MERCERVILLE, NJ 08619 | $2K |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 266 | $2.0M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 266 | $2.0M |
| Vision(2 contracts) | EYEMED VISION | 212 | $31K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE | 173 | $77K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE | 173 | $77K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE | 173 | $77K |
| Other | SUN LIFE AND HEALTH INSURANCE | 173 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.