| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J DAVID AND ASSOCIATES INC3 Filed as: DAVID BRETT RISPLER | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 4.35% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC PA | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.21% |
| BENEFIT CONSULTANT3 | 400 INTERSTATE N PKWY STE 600 ATLANTA, GA 30339 | EXCESS RE | — | $37K | $37K | 47.28% |
| KEVIN A KELLEHER3 | 401 ROUTE 73 NORTH SUITE 201 MARLTON, NJ 08053 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 9.88% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | UNION SECURITY INSURANCE COMPANY | $703 | — | $703 | 1.14% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $1.0M |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 143 | $62K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 143 | $62K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 143 | $62K |
| Stop-loss / reinsurancereinsurance | EXCESS RE | 71 | $79K |
| Other | UNION SECURITY INSURANCE COMPANY | 143 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.