| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD, SUITE 25 PLAINVIEW, NY 11803 | OXFORD HEALTH INSURANCE, INC. | $8K | $0 | $8K | 3.84% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | $0 | $819 | $819 | 0.40% |
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD, UNIT 25 PLAINVIEW, NY 11803 | AFLAC | $5K | $0 | $5K | 5.70% |
| MJ INSURANCE3 Filed as: SHAUN KONIOR AND VARIOUS AGENTS | 31 STRATFORD GREEM FARMINGDALE, NY 11735 | AFLAC | $3K | $134 | $3K | 4.07% |
| ALLAN H. MARKOWITZ3 | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $3K | $22 | $3K | 3.94% |
| JAIME M. BAUM3 | PO BOX 1124 MILLER PLACE, NY 11764 | AFLAC | $2K | $111 | $2K | 2.83% |
| DOROTHY HOFMANN3 Filed as: DOROTHY T. HOFMANN | 189 SOUTH WEST STREET GENEVA, NY 14456 | AFLAC | $2K | $0 | $2K | 2.06% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $1K | $22 | $1K | 1.37% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $997 | $22 | $1K | 1.20% |
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD PLAINVIEW, NY 11803 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.09% |
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD, UNIT 25 PLAINVIEW, NY 11803 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.59% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.00% |
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD, SUITE 25 PLAINVIEW, NY 11803 | HM LIFE INSURANCE COMPANY OF NEW YORK | $830 | $0 | $830 | 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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 248 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 177 | $57K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 68 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $28K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 248 | $2.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 215 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.