| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED CORPORATE SOLUTIONS LTD3 | 1155 AVENUE OF THE AMERICAS 10TH FL NEW YORK, NY 10036 | UNITED HEALTHCARE INSURANCE COMPANY | $121K | $0 | $121K | 4.00% |
| BENEFITMALL3 Filed as: BENEFITMALL NY-CNTRSTONE INS & FIN | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 1.42% |
| ADVANCED CORPORATE SOLUTIONS LTD3 | 1155 AVENUE OF THE AMERICAS 10TH FL NEW YORK, NY 10036 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 4.88% |
| ADVANCED CORPORATE SOLUTIONS LTD | PO BOX 621 GRAND CENTRAL STATION, NY 10163 | SUN LIFE AND HEALTH INSURANCE | $10K | $0 | $10K | 8.46% |
| CENTERSTONE INSURANCE AND FINANCIAL | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE | $6K | $0 | $6K | 5.01% |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 461 | $3.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $240K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $240K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $362K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $362K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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 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.