| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED CORPORATE SOLUTIONS LTD | 1155 AVENUE OF THE AMERICAS 10TH FL NEW YORK, NY 10036 | AETNA LIFE INSURANCE CO. | $65K | — | $65K | 3.87% |
| CENTERSTONE INSURANCE AND FINANCIAL | 12404 PARK CENTRAL DR, SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 0.66% |
| ADVANCED CORPORATE SOLUTIONS LTD3 | 1155 AVENUE OF THE AMERICAS FL 11 NEW YORK, NY 100362711 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $950 | $12K | 6.49% |
| CHARLES TOMASINO3 Filed as: CHARLES A ROSENBAUM | 1155 AVENUE OF THE AMERICAS FL 11 NEW YORK, NY 100362711 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 300 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $183K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $183K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $183K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $183K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.