| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 076323107 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $790 | $11K | 7.02% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 105321253 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.99% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | ATTN JEROME TEPPER 50 BROADWAY HAWTHORNE, NY 105321245 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 1.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASHTON BENEFITS BROKER/AGENT | Other services Service code 49 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | $46K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $35K |
| PROFESSIONAL GROUP MARKETING GENERAL AGENT | Other services Service code 49 | 50 BROADWAY HAWTHORNE, NY 10532 | $18K |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $159K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $159K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $159K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.