| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERBER LIFE0 | 1311 MAMARONECK AVE WHITE PLAINS, NY 10605 | GERBER LIFE | — | $252K | $252K | 100.00% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT GROUP | 11906 ARBOR ST #100 OMAHA, NE 68144 | GERBER LIFE | — | $50K | $50K | 19.79% |
| INSPRO INC3 Filed as: INSPRO INSURANCE | PO BOX 689 FREMONT, NE 68025 | GERBER LIFE | — | $9K | $9K | 3.54% |
| PHCS0 Filed as: PHCS/MULTIPLAN | PO BOX 29380 NEW YORK, NY 10087 | GERBER LIFE | — | $7K | $7K | 2.79% |
| AMERICAN HEALTH HOLDING0 | 7400 W CAMPUS RD F-510 NEW ALBANY, OH 43054 | GERBER LIFE | — | $5K | $5K | 1.91% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE | 114 | $252K |
| Dental | GERBER LIFE | 114 | $252K |
| Prescription drug | GERBER LIFE | 114 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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 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.