| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALCOTT INSURANCE AGENCY INC3 | 71 EXECUTIVE BLVD STE 2 FARMINGDALE, NY 11735 | AETNA LIFE INSURANCE CO. | $400K | — | $400K | 2.51% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $42K | $85K | 4.17% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $31K | $68K | 3.32% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $235K | $27K | $262K | 14.25% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $34K | $68K | 3.70% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $4K | $29K | 11.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 3.85% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 13.33% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $5K | 3.95% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 13.68% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $5K | 3.91% |
| ALCOTT INSURANCE AGENCY INC3 | 71 EXECUTIVE BLVD STE 2 FARMINGDALE, NY 11735 | EMBLEM HEALTH | $5K | — | $5K | 3.70% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $78 | $37 | $115 | 5.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $52 | $49 | $101 | 4.42% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $28 | $13 | $41 | 4.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $18 | $16 | $34 | 4.00% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY ST STE 400 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $25 | $11 | $36 | 4.73% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $17 | $15 | $32 | 4.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALCOTT HR GROUP LLC EIN 26-1638437 PEO PLAN ADMINSITRATOR | Plan Administrator Service code 14 | 71 EXECUTIVE BLVD SUITE 1 FARMINGDALE, NY 11735 | $663K |
| AHR AGENCY EIN 11-3077960 OUTSIDE PARTY | Insurance agents and brokers; Consulting (general) Service code 16 | 71 EXECUTIVE BLVD SUITE 1 FARMINGDALE, NY 11735 | $240K |
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 | 6,068 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 2,249 | $28.5M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,364 | $2.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,068 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,068 | $1.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,068 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,068 | $1.8M |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 2,249 | $12.4M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,068 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,068 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.