| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE, SUITE 102 SOUTH BUILDING WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $216K | $0 | $216K | 3.66% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 0.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $8K | $0 | $8K | 4.64% |
| SPHEREC GROUP LLC3 | 388 BRIDGE STREET, APT 34G BROOKLYN, NY 11201 | AFLAC | $1K | $43 | $1K | 8.69% |
| KIM HAMMOND3 | 2240 NORTH CYPRESS BEND DRIVE APT 406 POMPANO BEACH, FL 33069 | AFLAC | $863 | $0 | $863 | 5.57% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $212 | $10 | $222 | 1.43% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GREEN FARMINGDALE, NY 17735 | AFLAC | $122 | $0 | $122 | 0.79% |
| SEAN KING-DONAGHY3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $112 | $0 | $112 | 0.72% |
| JAMES MARTIN3 | 73 ELM STREET, APT 2 MALONE, NY 12953 | AFLAC | $6 | $0 | $6 | 0.04% |
| NICHOLAS CALARCO3 Filed as: NICHOLAS CALARCO AND OTHER AGENTS | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $5 | $0 | $5 | 0.03% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 521 | $5.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 521 | $5.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 521 | $5.9M |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 370 | $182K |
| Short-term disability | AFLAC | 13 | $15K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 370 | $182K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 521 | $5.9M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 370 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.