| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AARON M LOISELLE3 Filed as: AARON LOISELLE | LOVASCO CONSULTING GROUP ONE WOODWARD AVE, STE 1500 DETROIT, MI 48226 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 4.04% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DR. STE 301 BLUE BELL, PA 19422 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $262 | — | $262 | 0.25% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MA 48226 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.22% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | — | $698 | $698 | 1.85% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE STE 1500 DETROIT, MI 482265479 | VISION SERVICE PLAN | $902 | — | $902 | 6.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | ZURICH AMERICAN INSURANCE COMPANY | $250 | — | $250 | 25.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 325 | $171K |
| Vision | VISION SERVICE PLAN | 117 | $14K |
| Life insurance | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 219 | $104K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 185 | $35K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 185 | $42K |
| Other(4 contracts, 4 carriers) | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 219 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.