| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $156K | $1K | $158K | 4.22% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $49K | — | $49K | 4.25% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | KAISER FOUNDATION HEALTH PLAN INC. | $26K | — | $26K | 3.42% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | CIGNA HEALTHCARE OF TEXAS, INC. | $16K | — | $16K | 4.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | CIGNA HEALTHCARE OF COLORADO, INC. | $958 | — | $958 | 4.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $804 | — | $804 | 10.00% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 334 | $6.1M |
| Dental(4 contracts, 4 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 334 | $5.3M |
| Vision(4 contracts, 4 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 334 | $5.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $47K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $38K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.