| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YISRAEL KUSHNER3 | 4 PARK STREET LOWER LEVEL HARRINGTON PARK, NJ 07640 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 5.51% |
| YISRAEL KUSHNER3 | 4 PARK STREET LOWER LEVEL HARRINGTON PARK, NJ 07640 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 6.37% |
| IZZY KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 076241134 | VISION SERVICE PLAN | $2K | — | $2K | 3.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $472K |
| YISRAEL IZZY KUSHNER EIN 10-2509836 BROKER | Other commissions Service code 55 | 4 JAYS COURT CLOSTER, NJ 076241134 | $0 |
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 | 741 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 559 | $68K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 741 | $485K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 741 | $485K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 690 | $725K |
| Other(2 contracts) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 771 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.