| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARION MACARO3 | 150 EAST 18TH STREET NEW YORK, NY 10003 | AETNA LIFE INSURANCE COMPANY | $73K | $94 | $73K | 3.99% |
| MARION MACARO3 Filed as: MARION A MACARO | 150 E 18TH STREET APT PHO NEW YORK, NY 100032444 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 13.51% |
| MARION MACARO3 | 150 E 18TH ST APT PHO NEW YORK, NY 100032444 | VISION SERVICE PLAN | $822 | — | $822 | 6.81% |
| MARION MACARO3 Filed as: MARION A MACARO | 150 E 18TH ST APT PHO NEW YORK, NY 100032444 | COMPANION LIFE INSURANCE COMPANY | $840 | — | $840 | 10.00% |
| MARION MACARO3 Filed as: MARION A MACARO | 150 E 18TH ST. APT PHO NEW YORK, NY 100032444 | MUTUAL OF OMAHA INSURANCE COMPANY | $198 | — | $198 | 10.02% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 291 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 291 | $1.8M |
| Vision | VISION SERVICE PLAN | 85 | $12K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 163 | $8K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 163 | $21K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 163 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.