| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUEN DELDIN DIDIO ASSOCIATES3 Filed as: BRUEN DELDIN DIDIO ASSOCIATES INC. | 750 OLD MAIN ST. SUITE 203 ROCKY HILL, CT 06067 | OXFORD HEALTH INSURANCE | $66K | — | $66K | 2.00% |
| FIDUCUARY INTERMEDIARY LTD.3 | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | OXFORD HEALTH INSURANCE | — | $22K | $22K | 0.67% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 2.79% |
| STEPHEN BRENNAN3 | 57 RITTENHOUSE CIRCLE NEWTOWN, PA 18940 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.23% |
| BRUEN DELDIN DIDIO ASSOCIATES3 Filed as: BRUEN DELDEN DIDIO & ASSOC. | 750 OLD MAIN ST. SUITE 203 ROCKY HILL, CT 06067 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SERV. | 1133 WESTCHESTER AVE. SUITE 229 WHITE PLAINS, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SERV. | 12404 PARK CENTRAL DR. SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE | 419 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $346K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $346K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $346K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.