| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HZEZ, LLC3 | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $198K | $0 | $198K | 2.53% |
| SRN SERVICES INC3 Filed as: SRN SERVICES, INC. | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $143K | $0 | $143K | 1.82% |
| SRN SERVICES INC3 | 300 GARDEN CITY PLZ STE 252 GARDEN CITY, NY 115303330 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 4.42% |
| HOWARD ZODICOFF3 | 300 GARDEN CITY PLZ STE 252 GARDEN CITY, NY 115303330 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 4.42% |
| SRN SERVICES INC3 Filed as: SRN SERVICES, INC. | 300 GARDEN CITY PLAZA STE 252 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.90% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $7.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $173K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $27K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
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.