| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 9.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 5.28% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.21% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 17.69% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $252 | — | $252 | 5.00% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $321 | — | $321 | 8.61% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 4 | $60K |
| Dental | AETNA LIFE INSURANCE CO. | 372 | $132K |
| Vision | VISION SERVICE PLAN | 146 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $82K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $82K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 164 | $981K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.