| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $37K | — | $37K | 3.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 1.44% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.73% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR SUITE 402 WOODBURY, NY 11797 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE - BENEFITMALL | 12404 PARK CENTRAL DR DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE FINANCIAL SERV | 12404 PARK CENTRAL DR DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.40% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 170 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 170 | $1.0M |
| Vision | AETNA LIFE INSURANCE CO. | 170 | $1.0M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 120 | $76K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 120 | $76K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 120 | $76K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 120 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.