| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMABROKUS INC3 Filed as: AMABROKUS, INC. | P.O. BOX 5004 EAST HAMPTON, NY 11937 | OXFORD HEALTH INSURANCE, INC. | $3K | — | $3K | 3.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $681 | $681 | 0.80% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 8.89% |
| AMABROKUS INC3 Filed as: AMABROKUS, INC. | 11 GAY RD E. HAMPTON, NY 11937 | AETNA | $3K | — | $3K | 6.32% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 11.73% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 8 | $86K |
| Dental(2 contracts, 2 carriers) | AETNA | 49 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 244 | $76K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $76K |
| Other | HARTFORD LIFE AND ACCIDENT | 244 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
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.