| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $111K | — | $111K | 12.86% |
| J.A. FACCIBENE & ASSOCIATES, INC.5 Filed as: J.A. FACCIBENE & ASSOCIATES, INC | 100 MERRICK ROAD S. 460 W. ROCKVILLE CENTRE, NY 11570 | TRANSAMERICA INSURANCE CO | $31K | — | $31K | 3.57% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | — | $23K | $23K | 2.62% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $45K | — | $45K | 13.12% |
| J.A. FACCIBENE & ASSOCIATES, INC.5 Filed as: J. A. FACCIBENE & ASSOCIATES, INC | 100 MERRICK ROAD S. 460 W. ROCKVILLE CENTRE, NC 11570 | EXPRESS SCRIPTS, INC. | $3K | — | $3K | 0.94% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 550 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 550 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO | 255 | $917K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 550 | $282K |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. | 255 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.