| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 5.46% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.24% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORP. | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 10.56% |
| BENEFIT VENTURES CROP3 | 1460 UNITED STATES HIGHWAY 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | VISION SERVICE PLAN | $2K | — | $2K | 6.70% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORP. | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $427 | $6K | 16.25% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 467 | $157K |
| Vision | VISION SERVICE PLAN | 203 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $96K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 180 | $1.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.