| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER SHAPSES3 | 9 WILDWOOD COURT LOCUST VALLEY, NY 11560 | ANTHEM BLUE CROSS | $459K | $60K | $519K | 4.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS | — | $142K | $142K | 1.24% |
| ALEXANDER SHAPSES3 | 9 WILDWOOD CT LATTINGTOWN, NY 11560 | ANTHEM LIFE AND DISABILITY INS CO | $61K | — | $61K | 14.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 550 S CALDWELL ST FL 15 STE 300 CHARLOTTE, NC 28202 | ANTHEM LIFE AND DISABILITY INS CO | $3K | $18K | $20K | 4.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, NY 91367 | ANTHEM LIFE AND DISABILITY INS CO | $3K | $13K | $15K | 3.54% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 1,349 | $11.4M |
| Dental | ANTHEM BLUE CROSS | 1,349 | $11.4M |
| Vision | ANTHEM BLUE CROSS | 1,349 | $11.4M |
| Life insurance | ANTHEM LIFE AND DISABILITY INS CO | 647 | $433K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INS CO | 647 | $433K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INS CO | 647 | $433K |
| Prescription drug | ANTHEM BLUE CROSS | 1,349 | $11.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,349 | — |
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.
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.