| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 EAST WARRENVILLE ROAD SUITE 230 NAPERVILLE, IL 60563 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $82K | $14K | $96K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $25K | $2K | $27K | 12.22% |
| A C EDWARDS INC.3 Filed as: A. C. EDWARDS, INC | 140 GREENE AVENUE SAYVILLE, NY 11782 | HARTFORD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 15.56% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING COMPANY, INC. | UNKNOWN BROOKLYN, NY 11205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$31 | $0 | -$31 | -0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FSL NY | $2K | $0 | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $550 | $550 | 2.10% |
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 | 449 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 644 | $4.9M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 542 | $218K |
| Vision | FSL NY | 742 | $32K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 449 | $146K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 89 | $26K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 449 | $103K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 644 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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.
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.