| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARION MACARO3 | 150 EAST 18TH STREET NEW YORK, NY 10003 | AETNA LIFE INSURANCE CO. | $43K | $2K | $45K | 3.92% |
| MARION MACARO3 Filed as: MARION A MACARO | 150 EAST 18TH STREET APT PHO NEW YORK, NY 10003 | MUTUTAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 14.30% |
| MARION MACARO3 Filed as: MARION A MACARO | 150 EAST 18TH STREET APT PHO NEW YORK, NY 10003 | COMPANION LIFE INSURANCE COMPANY | $860 | — | $860 | 10.00% |
| MARION MACARO3 | 285 FULTON ST 39TH FL NEW YORK, NY 10007 | VISION SERVICE PLAN | $551 | — | $551 | 8.46% |
| MARION MACARO3 Filed as: MARION A MACARO | 150 EAST 18TH STREET APT PHO NEW YORK, NY 10003 | MUTUTAL OF OMAHA INSURANCE COMPANY | $132 | — | $132 | 9.98% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 97 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 97 | $1.1M |
| Vision | VISION SERVICE PLAN | 35 | $7K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 92 | $9K |
| Long-term disability | MUTUTAL OF OMAHA INSURANCE COMPANY | 85 | $17K |
| Other | MUTUTAL OF OMAHA INSURANCE COMPANY | 92 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.