| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE, SUITE 200 TINTON FALLS, NJ 07701 | AETNA LIFE INSURANCE COMPANY | $74K | $30 | $74K | 2.05% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE, SUITE 703 NEW YORK, NY 10017 | AETNA LIFE INSURANCE COMPANY | $49K | $0 | $49K | 1.38% |
| BRUEN DELDIN DIDIO ASSOCIATES3 Filed as: BRUEN DELDIN DIDO INC. | 750 OLD MAIN STREET, SUITE 203 ROCKY HILL, CT 06067 | AETNA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 1.16% |
| GA SOLUTIONS LLC3 | 50 BROADWAY, SUITE 2 HAWTHORNE, NY 10532 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.74% |
| STEPHEN BRENNAN3 | 57 RITTENHOUSE CIRCLE NEWTOWN, PA 18940 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.44% |
| WORLD INSURANCE ASSOCIATES LLC3 | 3 STARR RIDGE ROAD, SUITE 100 BREWSTER, NY 10509 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.85% |
| BRUEN DELDIN DIDIO ASSOCIATES3 Filed as: BRUEN DELDIN DIDO INC. | 750 OLD MAIN STREET, SUITE 203 ROCKY HILL, CT 06067 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $788 | $788 | 0.21% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 363 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 717 | $370K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 717 | $370K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 717 | $370K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 717 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.