| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | — | DELTA DENTAL OF NEW YORK | $14K | — | $14K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVENUE 10TH FLOOR WHITE PLAINS, NY 10601 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 5.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVENUE 10TH FLOOR WHITE PLAINS, NY 10601 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVENUE FLOOR 10 WHITE PLAINS, NY 10601 | VISION SERVICE PLAN | $2K | — | $2K | 3.99% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVENUE 10TH FLOOR WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $150 | — | $150 | 10.00% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $2K |
| Dental | DELTA DENTAL OF NEW YORK | 216 | $289K |
| Vision | VISION SERVICE PLAN | 200 | $42K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 208 | $209K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 208 | $154K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 208 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.