| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN CORPORATE BENEFITS INC3 Filed as: AMERICAN CORPORATE BENEFITS | 62 WILLIAM ST FL 4 NEW YORK, NY 10005 | DELTA DENTAL OF NEW YORK | $13K | — | $13K | 4.11% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIAM ST FL 4 NEW YORK, NY 10005 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $396 | $2K | 6.69% |
| GA SOLUTIONS LLC3 | 50 BROADWAY STE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | $323 | $200 | $523 | 2.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SERVICES 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $386 | — | $386 | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST,PLAZA TWO, 250 PEHLE AVENUE, SUITE 400, SADDLE BROOK, NJ 07663 | PRINCIPAL LIFE INSURANCE COMPANY | $154 | $77 | $231 | 0.98% |
| AMERICAN CORPORATE BENEFITS INC3 | 62 WILLIM STREET 4TH FLOOR NEW YORK, NY 10005 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $238 | — | $238 | 3.61% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 332 | $317K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 313 | $24K |
| Life insurance(4 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 315 | $257K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 315 | $144K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 315 | $148K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 465 | $1.3M |
| Other(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 315 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.