| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 1212 AVENUE OF THE AMERICAS 9TH FLOOR, SUITE 900 NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $250K | $250K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AGCY & FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$481K | -$481K | -9.62% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES | 1180 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $43K | $0 | $43K | 1.90% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 2 AQUARIUM LOOP DRIVE, 2ND FLOOR CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 11.27% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 1180 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.42% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 1180 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 8.48% |
| FOUNDATION RISK PARTNERS CORP3 | UNKNOWN DAYTONA BEACH, FL 32117 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| HORIZON INSURANCE COMPANY3 | UNKNOWN NEWARK, NJ 07105 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $572 | $572 | 6.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | UNKNOWN DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $473 | $473 | 5.00% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES | 1180 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | DEARBORN LIFE INSURANCE COMPANY | $525 | $0 | $525 | 18.22% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 436 | $7.2M |
| Dental(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 483 | $88K |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 483 | $102K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $178K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $166K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 436 | $7.2M |
| Other | HEALTH ADVOCATE SOLUTIONS, INC. | 454 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.