| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER COMMONS DR BREWSTER, NY 10509 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROC INS AGCY INC | PO BOX 28964 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 5.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUANTUM FINANCIAL STRATEGIES, INC EIN 13-4017745 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $92K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $38K |
| COMPLIANCE VERIFICATION, INC. EIN 26-2336426 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $32K |
| HENNINGFIELD & ASSOCIATES INC. EIN 54-2189926 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| QUEST INVESTMENT MANAGER EIN 93-0880854 NONE | Non-monetary compensation; Investment management Service code 28 | — | $7K |
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 | 659 | 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) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 1,751 | $10.8M |
| Vision | VISION SERVICE PLAN | 711 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 654 | $23K |
| Other | HARTFORD LIFE AND ACCIDENT | 654 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,751 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.