| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | — | $6K | 10.00% |
| DOMINIC A MORRONE3 Filed as: DOMINIC A. MORRONE | ADVANTAGE BENEFIT CONCEPTS 900 RT 168, SUITE A1 TURNERSVILLE, NJ 08012 | VISION SERVICE PLAN | $718 | — | $718 | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AITHER HEALTH LLC EIN 84-2273042 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $50K |
| DOMINIC MORRONE EIN 45-3601219 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $30K |
| SUFFOLK ADMINISTRATIVE SERVICES EIN 66-0833161 LEGAL ADMIN | Legal Service code 29 | — | $19K |
| CBIZ BENEFITS & INSURANCE EIN 31-1582098 GENERAL AGENT | Insurance brokerage commissions and fees Service code 53 | — | $13K |
| SYNOLO EIN 83-4153339 UNKNOWN | Other fees Service code 99 | — | $8K |
| 27 MICHELE LLC DBA 27M ADVISORY EIN 84-2549621 UNKNOWN | Other fees Service code 99 | — | $8K |
| AMWINS UNKNOWN | Other fees Service code 99 | 4725 PIEDMONT ROW DRIVE, SUITE 600, CHARLOTTE, NC 28210 | $5K |
| PHCS EIN 13-3068979 NETWORK PROVIDER | Insurance services Service code 23 | — | $5K |
| SECURE HEALTH EIN 84-2273042 MEDICAL MGMT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $5K |
| WORLD CARE EIN 36-4032638 UNKNOWN | Other fees Service code 99 | — | $4K |
| RICK SOLOFSKY EIN 20-1486157 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $2K |
| AEGIS EIN 43-7017740 UNKNOWN | Other fees Service code 99 | — | $1K |
| VELOCITY ENROLLMENT EIN 83-2905690 UNKNOWN | Other fees Service code 99 | — | $1K |
| MJ SALES END POINT LOCK EIN 54-1206590 UNKNOWN | Other fees Service code 99 | — | $794 |
| PERK PLANS EIN 82-2551873 UNKNOWN | Other fees Service code 99 | — | $496 |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 106 | $64K |
| Vision | VISION SERVICE PLAN | 108 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.