| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALCOTT INSURANCE AGENCY INC | 71 EXECUTIVE BLVD FARMINGDALE, NY 11735 | AETNA LIFE INSURANCE CO. | $321K | — | $321K | 2.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN PROPERTY AND CASUALTY CO. | $29K | $17K | $46K | 2.91% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | METROPOLITAN PROPERTY AND CASUALTY CO. | $30K | $3K | $33K | 2.08% |
| ALCOTT INSURANCE AGENCY INC3 | 71 EXECUTIVE BLVD FARMINGDALE, NY 11735 | METROPOLITAN PROPERTY AND CASUALTY CO. | $131 | — | $131 | 0.01% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | $173K | $411 | $173K | 13.65% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $14K | $37K | 2.90% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 8.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 2.25% |
| ALCOTT INSURANCE AGENCY INC3 | 71 EXECUTIVE BLVD FARMINGDALE, NY 11735 | METROPOLITAN LIFE INSURANCE COMPANY | -$115 | — | -$115 | -0.06% |
| ALCOTT INSURANCE AGENCY INC | 71 EXECUTIVE BLVD STE 2 FARMINGDALE, NY 11735 | EMBLEMHEALTH | $4K | — | $4K | 3.85% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 14.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $884 | $2K | 3.20% |
| ALCOTT INSURANCE AGENCY INC3 | 71 EXECUTIVE BLVD FARMINGDALE, NY 11735 | METROPOLITAN LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.06% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $815 | $2K | 3.19% |
| ALCOTT INSURANCE AGENCY INC3 | 71 EXECUTIVE BLVD FARMINGDALE, NY 11735 | METROPOLITAN LIFE INSURANCE COMPANY | -$36 | — | -$36 | -0.05% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $51 | $6 | $57 | 3.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $29 | $17 | $46 | 2.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $6 | $3 | $9 | 3.00% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $9 | — | $9 | 3.00% |
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 | 4,946 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 1,656 | $26.0M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN PROPERTY AND CASUALTY CO. | 2,168 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,946 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,946 | $1.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,946 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,946 | $1.3M |
| Prescription drug(2 contracts) | HIGHMARK WESTERN NEW YORK | 1,510 | $12.3M |
| Other(5 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK | 4,946 | $13.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,946 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.