| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC. | 1212 AVENUE OF THE AMERICAS FLOOR 9 NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 13.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SEVS | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| HOWARD M LORBER3 Filed as: HOWARD M. LORBER | HALLMAN AND LORBER 350 JERICHO TURNPIKE JERICHO, NY 11753 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$5K | — | -$5K | -3.15% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC. | 1212 AVENUE OF THE AMERICAS FLOOR 9 NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $278 | — | $278 | 24.13% |
| HOWARD M LORBER3 Filed as: HOWARD M. LORBER | 350 JERICHO TPKE JERICHO, NY 11753 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $67 | — | $67 | 5.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $32 | — | $32 | 2.78% |
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14 | — |
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.