| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS, INC. | 245 MAIN ST. STE 605 WHITE PLAINS, NY 10601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $51K | — | $51K | 6.51% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EB EMPLOYEE SOLUTIONS LLC DBA EBES | 245 MAIN ST. STE 605 WHITE PLAINS, NY 10601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $27K | — | $27K | 3.49% |
| JOHN L. VORBACH CO INC3 | 370 LEXINGTON AVE NEW YORK, NY 10017 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.73% |
| DOUGLAS TRENTACOSTE3 | 100 WALNUT AVE STE 504 CLARK, NJ 07066 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.73% |
| JOHN L. VORBACH CO INC3 | 370 LEXINGTON AVE NEW YORK, NY 10017 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| DOUGLAS TRENTACOSTE3 | 100 WALNUT AVE STE 504 CLARK, NJ 07066 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| PROFESSIONAL GROUP PLANS INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN L. VORBACH COMPANY, INC. EIN 13-3424397 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $278K |
| CORESOURCE, INC. EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $201K |
| EMPLOYEE BENEFIT SOLUTIONS EIN 13-3954929 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $150K |
| AETNA - PPO EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | — | $69K |
| MULTIPLAN EIN 43-6004435 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $16K |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $99K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $183K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 304 | $893K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
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.