| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY | DBA HANYS BENEFIT ONE EMPIRE DRIVE RENSSELAER, NY 12144 | EYEMED VISION CARE | $12K | — | $12K | 4.92% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $17K | $49 | $18K | 11.64% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $13K | $155 | $13K | 11.66% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY | DBA HANYS BENEFIT ONE EMPIRE DRIVE RENESSELAER, NY 12144 | EYEMED VISION CARE | $254 | — | $254 | 5.01% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE AGENCY | DBA HANYS BENEFIT ONE EMPIRE DRIVE RENESSLAER, NY 12144 | EYEMED VISION CARE | $93 | — | $93 | 5.01% |
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 | 2,315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 113 | $262K |
| Vision(3 contracts) | EYEMED VISION CARE | 4,091 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,091 | — |
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."
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.