| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD, UNITE 25 PLAINVIEW, NY 11803 | EMBLEMHEALTH | $101K | $0 | $101K | 3.85% |
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD SUITE 25 PLAINVIEW, NY 11803 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 4.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.52% |
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD, UNIT 25 PLAINVIEW, NY 11803 | AFLAC | $13K | $60 | $13K | 8.14% |
| JAIME M. BAUM3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $7K | $489 | $7K | 4.41% |
| MJ INSURANCE3 Filed as: PATRICK RUHLE AND VARIOUS AGENTS | 200 GARDEN CITY PLZ, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $5K | $321 | $6K | 3.58% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 11741 HOLBROOK, NY 11741 | AFLAC | $5K | $259 | $5K | 3.35% |
| ALLAN H. MARKOWITZ3 | 21996 SW TIVOLO WAY PORT ST LUCIE, FL 34986 | AFLAC | $4K | $157 | $4K | 2.31% |
| JULIA RATKIEWICZ3 | 23 CHURCH STREET PORT JEFFERSON STATION, NY 11776 | AFLAC | $2K | $212 | $2K | 1.16% |
| DOROTHY HOFMANN3 Filed as: DOROTHY T. HOFMANN | 789 PRE EMPTION ROAD, SUITE 300215 GENEVA, NY 14456 | AFLAC | $1K | $0 | $1K | 0.93% |
| INTEGRATED BROKERAGE SERVICES, INC.3 | 303 SUNNYSIDE BOULEVARD PLAINVIEW, NY 11803 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.07% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 195 | $3.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 196 | $81K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 108 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $0 |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 195 | $3.0M |
| Other(2 contracts, 2 carriers) | AFLAC | 133 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.