| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $1K | $46K | 2.74% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1 JERICHO PLAZA STE 200 JERICHO, NY 11753 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 4.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $2K | $420 | $2K | 9.30% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | AETNA LIFE INSURANCE COMPANY | $385 | — | $385 | 1.72% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 200 BROADWAY NEW YORK, NY 10038 | AETNA LIFE INSURANCE COMPANY | $190 | — | $190 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 12.07% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $496 | — | $496 | 2.61% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $175 | $175 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $193 | $193 | 1.77% |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $1.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 251 | $22K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 191 | $30K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 191 | $19K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $1.7M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 191 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.