| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS TRENTACOSTE3 | 100 WALNUT AVE STE 504 CLARK, NJ 07066 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.69% |
| JOHN L. VORBACH CO INC3 | 370 LEXINGTON AVE NEW YORK, NY 10017 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.69% |
| JOHN L. VORBACH CO INC3 | 370 LEXINGTON AVE NEW YORK, NY 10017 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| DOUGLAS TRENTACOSTE3 | 100 WALNUT AVE STE 504 CLARK, NJ 07066 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 15.00% |
| DOUGLAS TRENTACOSTE3 Filed as: DOUGLAS R TRENTACOSTE | 100 WALNUT AVE STE 504 CLARK, NJ 07066 | PRINCIPAL LIFE INSURANCE COMPANY | $430 | — | $430 | 4.52% |
| JOHN L. VORBACH CO INC3 | 370 LEXINGTON AVE NEW YORK, NY 10017 | PRINCIPAL LIFE INSURANCE COMPANY | $430 | — | $430 | 4.52% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $109K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $10K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.