| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY T WILKIE3 Filed as: JEFFREY WILKIE | 95 HARDING DR NEW ROCHELLE, NY 10801 | AETNA LIFE INSURANCE CO. | $66K | — | $66K | 3.71% |
| JEFFREY T WILKIE3 Filed as: JEFFREY WILKIE | 95 HARDING DR NEW ROCHELLE, NY 10801 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 2.49% |
| WILKIE, JEFFREY T3 | 95 HARDING DR NEW ROCHELLE, NY 10801 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $3K | — | $3K | 2.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.64% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 185 | $2.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 98 | $119K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 98 | $119K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 130 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.