| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDA MALEK-ASLANIAN3 | ONE WORLD TRADE CENTER 285 FULTON STREET 39TH FLOOR NEW YORK, NY 10007 | NEW YORK LIFE INSURANCE COMPANY | $1K | — | $1K | 14.96% |
| DISABILITY RMS3 | P.O. BOX 9757 PORTLAND, ME 04104 | NEW YORK LIFE INSURANCE COMPANY | — | $1K | $1K | 14.37% |
| LINDA MALEK-ASLANIAN3 | ONE WORLD TRADE CENTER 285 FULTON STREET 39TH FLOOR NEW YORK, NY 10007 | NEW YORK LIFE INSURANCE COMPANY | $733 | — | $733 | 14.94% |
| DISABILITY RMS3 | P.O. BOX 9757 PORTLAND, ME 04104 | NEW YORK LIFE INSURANCE COMPANY | — | $710 | $710 | 14.47% |
| LINDA MALEK-ASLANIAN3 | ONE WORLD TRADE CENTER 285 FULTON STREET 39TH FLOOR NEW YORK, NY 10007 | NEW YORK LIFE INSURANCE COMPANY | $258 | — | $258 | 14.94% |
| DISABILITY RMS3 | P.O. BOX 9757 PORTLAND, ME 04104 | NEW YORK LIFE INSURANCE COMPANY | — | $250 | $250 | 14.48% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | NEW YORK LIFE INSURANCE COMPANY | 189 | $16K |
| Long-term disability(3 contracts) | NEW YORK LIFE INSURANCE COMPANY | 189 | $16K |
| Other(3 contracts) | NEW YORK LIFE INSURANCE COMPANY | 189 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.