| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE. STE 220 HARRISON, NY 10528 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 3.74% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AG | 500 MAMARONECK AVE STE 220 HARRISON, NY 10528 | SUN LIFE AND HEALTH INSURANCE COMPANY | $8K | — | $8K | 6.19% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEA | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 2.19% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE. STE 220 HARRISON, NY 10528 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $3K | — | $3K | 7.93% |
| WILLIAM WHICHER3 | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $581 | — | $581 | 10.53% |
| CHRISTOPHER TARI3 | 1179 WEBBER AVE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $94 | — | $94 | 1.70% |
| PATRICK RUHLE3 | 200 GARDEN SITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $26 | — | $26 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC EIN 36-4197088 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 18861 S 90TH AVE. STE A MOKENA, IL 60448 | $90K |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTER LIFE INSURANCE COMPANY | 229 | $676K |
| Dental | AETNA LIFE INSURANCE COMPANY | 436 | $181K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 436 | $199K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 290 | $163K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 290 | $163K |
| Stop-loss / reinsurancereinsurance | RELIASTER LIFE INSURANCE COMPANY | 229 | $676K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 290 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.