| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS, LLC | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $43K | — | $43K | 3.29% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. - GA | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | — | $14K | $14K | 1.08% |
| SRN SERVICES INC3 Filed as: SRN SERVICES, INC | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC | $7K | — | $7K | 0.55% |
| HZEZ, LLC3 | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC | $7K | — | $7K | 0.55% |
| BENEFIT CONSULTANT3 | 400 INTERSTATE NORTH PARKWAY SUITE 600 ATLANTA, GA 30339 | EXCESS RE | — | $37K | $37K | 50.49% |
| RISPLER, DAVID B3 | 35 KERI WAY WOODBURY, NY 11797 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 17.91% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.52% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $335 | — | $335 | 0.54% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS, LLC | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $876 | — | $876 | 1.74% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS, LLC | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $701 | — | $701 | 11.69% |
| J DAVID AND ASSOCIATES INC3 Filed as: DAVID BRETT RISPLER | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | — |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC PA | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | — |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC | 165 | $1.8M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $112K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $70K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $70K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $70K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 44 | $492K |
| Stop-loss / reinsurancereinsurance | EXCESS RE | 40 | $73K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.